Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$70,321Cash toward the purchase price.
Closing costs + prepaids$9,096Not just lender fees.
Before credits & paid funds$79,416The complete starting cash picture.
Estimated remaining funds due at closing
$79,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,320.74
Your down payment$70,320.74
Closing costs + prepaids$9,095.73
Total buyer cash needed$79,416.46
Remaining funds due$79,416.46
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%)$2,659.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$978.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$208.25
Prepaid interest, first (2 days)$31.09
Fees + prepaids$9,095.73
Your down payment is the seller’s equity. You take over the $195,678 balance, so the rest of the $265,999 price is paid at closing. A second mortgage can cover part of it. $79,416.46 is due at closing. Uses and sources reconcile at $275,094.73 each. Not a Closing Disclosure.