Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$36,817Cash toward the purchase price.
Closing costs + prepaids$10,337Not just lender fees.
Before credits & paid funds$47,154The complete starting cash picture.
Estimated remaining funds due at closing
$47,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,817.25
Your down payment$36,817.25
Closing costs + prepaids$10,336.56
Total buyer cash needed$47,153.81
Remaining funds due$47,153.81
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%)$2,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,215.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.00
Prepaid interest, first (17 days)$577.64
Fees + prepaids$10,336.56
Your down payment is the seller’s equity. You take over the $243,183 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $47,153.81 is due at closing. Uses and sources reconcile at $290,336.56 each. Not a Closing Disclosure.