Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$34,857Cash toward the purchase price.
Closing costs + prepaids$10,223Not just lender fees.
Before credits & paid funds$45,080The complete starting cash picture.
Estimated remaining funds due at closing
$45,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,856.88
Your down payment$34,856.88
Closing costs + prepaids$10,223.33
Total buyer cash needed$45,080.22
Remaining funds due$45,080.22
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%)$2,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,200.22
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 (16 days)$712.37
Fees + prepaids$10,223.33
Your down payment is the seller’s equity. You take over the $240,043 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $45,080.22 is due at closing. Uses and sources reconcile at $285,123.33 each. Not a Closing Disclosure.