Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$43,589Cash toward the purchase price.
Closing costs + prepaids$10,708Not just lender fees.
Before credits & paid funds$54,297The complete starting cash picture.
Estimated remaining funds due at closing
$54,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,589.06
Your down payment$43,589.06
Closing costs + prepaids$10,707.86
Total buyer cash needed$54,296.92
Remaining funds due$54,296.92
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%)$2,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,067.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$642.50
Prepaid interest, first (30 days)$1,210.30
Fees + prepaids$10,707.86
Your down payment is the seller’s equity. You take over the $213,411 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $54,296.92 is due at closing. Uses and sources reconcile at $267,707.86 each. Not a Closing Disclosure.