Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$28,750Cash toward the purchase price.
Closing costs + prepaids$10,676Not just lender fees.
Before credits & paid funds$39,426The complete starting cash picture.
Estimated remaining funds due at closing
$39,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,749.82
Your down payment$28,749.82
Closing costs + prepaids$10,675.90
Total buyer cash needed$39,425.72
Remaining funds due$39,425.72
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%)$2,745.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,228.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$686.25
Initial HOA (3 months)$15.00
Prepaid interest, first (18 days)$782.90
Fees + prepaids$10,675.90
Your down payment is the seller’s equity. You take over the $245,750 balance, so the rest of the $274,500 price is paid at closing. A second mortgage can cover part of it. $39,425.72 is due at closing. Uses and sources reconcile at $285,175.90 each. Not a Closing Disclosure.