Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$26,254Cash toward the purchase price.
Closing costs + prepaids$10,558Not just lender fees.
Before credits & paid funds$36,812The complete starting cash picture.
Estimated remaining funds due at closing
$36,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,253.83
Your down payment$26,253.83
Closing costs + prepaids$10,558.16
Total buyer cash needed$36,811.99
Remaining funds due$36,811.99
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,243.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$515.75
Prepaid interest, first (17 days)$830.68
Fees + prepaids$10,558.16
Your down payment is the seller’s equity. You take over the $248,746 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $36,811.99 is due at closing. Uses and sources reconcile at $285,558.16 each. Not a Closing Disclosure.