Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$60,803Cash toward the purchase price.
Closing costs + prepaids$9,676Not just lender fees.
Before credits & paid funds$70,479The complete starting cash picture.
Estimated remaining funds due at closing
$70,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,803.13
Your down payment$60,803.13
Closing costs + prepaids$9,675.92
Total buyer cash needed$70,479.05
Remaining funds due$70,479.05
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%)$995.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$830.50
Prepaid interest, first (2 days)$31.43
Fees + prepaids$9,675.92
Your down payment is the seller’s equity. You take over the $199,197 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $70,479.05 is due at closing. Uses and sources reconcile at $269,675.92 each. Not a Closing Disclosure.