Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$32,313Cash toward the purchase price.
Closing costs + prepaids$10,309Not just lender fees.
Before credits & paid funds$42,622The complete starting cash picture.
Estimated remaining funds due at closing
$42,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,312.76
Your down payment$32,312.76
Closing costs + prepaids$10,309.30
Total buyer cash needed$42,622.06
Remaining funds due$42,622.06
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,237.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$350.00
Prepaid interest, first (16 days)$704.37
Fees + prepaids$10,309.30
Your down payment is the seller’s equity. You take over the $247,587 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $42,622.06 is due at closing. Uses and sources reconcile at $290,209.30 each. Not a Closing Disclosure.