Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$44,919Cash toward the purchase price.
Closing costs + prepaids$9,256Not just lender fees.
Before credits & paid funds$54,175The complete starting cash picture.
Estimated remaining funds due at closing
$54,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,919.05
Your down payment$44,919.05
Closing costs + prepaids$9,255.68
Total buyer cash needed$54,174.73
Remaining funds due$54,174.73
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%)$2,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,075.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$288.50
Prepaid interest, first (2 days)$73.78
Fees + prepaids$9,255.68
Your down payment is the seller’s equity. You take over the $215,081 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $54,174.73 is due at closing. Uses and sources reconcile at $269,255.68 each. Not a Closing Disclosure.