Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$34,452Cash toward the purchase price.
Closing costs + prepaids$9,876Not just lender fees.
Before credits & paid funds$44,328The complete starting cash picture.
Estimated remaining funds due at closing
$44,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,452.30
Your down payment$34,452.30
Closing costs + prepaids$9,876.17
Total buyer cash needed$44,328.47
Remaining funds due$44,328.47
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%)$1,202.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$343.75
Prepaid interest, first (14 days)$361.68
Fees + prepaids$9,876.17
Your down payment is the seller’s equity. You take over the $240,548 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $44,328.47 is due at closing. Uses and sources reconcile at $284,876.17 each. Not a Closing Disclosure.