Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$65,362Cash toward the purchase price.
Closing costs + prepaids$10,566Not just lender fees.
Before credits & paid funds$75,928The complete starting cash picture.
Estimated remaining funds due at closing
$75,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,362.43
Your down payment$65,362.43
Closing costs + prepaids$10,565.65
Total buyer cash needed$75,928.08
Remaining funds due$75,928.08
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%)$2,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,023.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$675.00
Initial HOA (3 months)$90.00
Prepaid interest, first (30 days)$859.47
Fees + prepaids$10,565.65
Your down payment is the seller’s equity. You take over the $204,637 balance, so the rest of the $269,999 price is paid at closing. A second mortgage can cover part of it. $75,928.08 is due at closing. Uses and sources reconcile at $280,564.65 each. Not a Closing Disclosure.