Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$65,910Cash toward the purchase price.
Closing costs + prepaids$10,259Not just lender fees.
Before credits & paid funds$76,168The complete starting cash picture.
Estimated remaining funds due at closing
$76,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,909.50
Your down payment$65,909.50
Closing costs + prepaids$10,258.81
Total buyer cash needed$76,168.31
Remaining funds due$76,168.31
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%)$2,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$920.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$313.25
Initial HOA (3 months)$870.00
Prepaid interest, first (30 days)$437.25
Fees + prepaids$10,258.81
Your down payment is the seller’s equity. You take over the $184,080 balance, so the rest of the $249,990 price is paid at closing. A second mortgage can cover part of it. $76,168.31 is due at closing. Uses and sources reconcile at $260,248.81 each. Not a Closing Disclosure.