Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$59,665Cash toward the purchase price.
Closing costs + prepaids$10,230Not just lender fees.
Before credits & paid funds$69,895The complete starting cash picture.
Estimated remaining funds due at closing
$69,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,665.10
Your down payment$59,665.10
Closing costs + prepaids$10,229.93
Total buyer cash needed$69,895.02
Remaining funds due$69,895.02
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$976.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$637.50
Prepaid interest, first (31 days)$847.75
Fees + prepaids$10,229.93
Your down payment is the seller’s equity. You take over the $195,335 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $69,895.02 is due at closing. Uses and sources reconcile at $265,229.93 each. Not a Closing Disclosure.