Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$27,296Cash toward the purchase price.
Closing costs + prepaids$10,234Not just lender fees.
Before credits & paid funds$37,530The complete starting cash picture.
Estimated remaining funds due at closing
$37,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,295.76
Your down payment$27,295.76
Closing costs + prepaids$10,233.88
Total buyer cash needed$37,529.64
Remaining funds due$37,529.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,308.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$401.50
Prepaid interest, first (20 days)$415.86
Fees + prepaids$10,233.88
Your down payment is the seller’s equity. You take over the $261,704 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $37,529.64 is due at closing. Uses and sources reconcile at $299,233.88 each. Not a Closing Disclosure.