Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$53,652Cash toward the purchase price.
Closing costs + prepaids$10,921Not just lender fees.
Before credits & paid funds$64,573The complete starting cash picture.
Estimated remaining funds due at closing
$64,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,652.50
Your down payment$53,652.50
Closing costs + prepaids$10,920.68
Total buyer cash needed$64,573.17
Remaining funds due$64,573.17
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%)$2,599.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,031.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,547.75
Prepaid interest, first (30 days)$523.94
Fees + prepaids$10,920.68
Your down payment is the seller’s equity. You take over the $206,298 balance, so the rest of the $259,950 price is paid at closing. A second mortgage can cover part of it. $64,573.17 is due at closing. Uses and sources reconcile at $270,870.68 each. Not a Closing Disclosure.