Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$38,137Cash toward the purchase price.
Closing costs + prepaids$10,225Not just lender fees.
Before credits & paid funds$48,361The complete starting cash picture.
Estimated remaining funds due at closing
$48,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,136.74
Your down payment$38,136.74
Closing costs + prepaids$10,224.64
Total buyer cash needed$48,361.38
Remaining funds due$48,361.38
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%)$2,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,229.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$355.00
Prepaid interest, first (13 days)$582.33
Fees + prepaids$10,224.64
Your down payment is the seller’s equity. You take over the $245,863 balance, so the rest of the $284,000 price is paid at closing. A second mortgage can cover part of it. $48,361.38 is due at closing. Uses and sources reconcile at $294,224.64 each. Not a Closing Disclosure.