Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$50,478Cash toward the purchase price.
Closing costs + prepaids$9,403Not just lender fees.
Before credits & paid funds$59,880The complete starting cash picture.
Estimated remaining funds due at closing
$59,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,477.96
Your down payment$50,477.96
Closing costs + prepaids$9,402.53
Total buyer cash needed$59,880.48
Remaining funds due$59,880.48
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,072.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$121.75
Initial HOA (3 months)$258.00
Prepaid interest, first (2 days)$82.16
Fees + prepaids$9,402.53
Your down payment is the seller’s equity. You take over the $214,522 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $59,880.48 is due at closing. Uses and sources reconcile at $274,402.53 each. Not a Closing Disclosure.