Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$37,502Cash toward the purchase price.
Closing costs + prepaids$10,276Not just lender fees.
Before credits & paid funds$47,778The complete starting cash picture.
Estimated remaining funds due at closing
$47,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,502.11
Your down payment$37,502.11
Closing costs + prepaids$10,275.57
Total buyer cash needed$47,777.68
Remaining funds due$47,777.68
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%)$2,979.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,301.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$372.50
Prepaid interest, first (12 days)$404.08
Fees + prepaids$10,275.57
Your down payment is the seller’s equity. You take over the $260,398 balance, so the rest of the $297,900 price is paid at closing. A second mortgage can cover part of it. $47,777.68 is due at closing. Uses and sources reconcile at $308,175.57 each. Not a Closing Disclosure.