Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$40,824Cash toward the purchase price.
Closing costs + prepaids$10,233Not just lender fees.
Before credits & paid funds$51,057The complete starting cash picture.
Estimated remaining funds due at closing
$51,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,824.20
Your down payment$40,824.20
Closing costs + prepaids$10,233.16
Total buyer cash needed$51,057.35
Remaining funds due$51,057.35
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%)$2,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,220.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$356.25
Prepaid interest, first (16 days)$589.53
Fees + prepaids$10,233.16
Your down payment is the seller’s equity. You take over the $244,076 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $51,057.35 is due at closing. Uses and sources reconcile at $295,133.16 each. Not a Closing Disclosure.