Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$59,973Cash toward the purchase price.
Closing costs + prepaids$10,880Not just lender fees.
Before credits & paid funds$70,852The complete starting cash picture.
Estimated remaining funds due at closing
$70,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,972.60
Your down payment$59,972.60
Closing costs + prepaids$10,879.61
Total buyer cash needed$70,852.21
Remaining funds due$70,852.21
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,149.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.50
Prepaid interest, first (30 days)$1,192.47
Fees + prepaids$10,879.61
Your down payment is the seller’s equity. You take over the $229,927 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $70,852.21 is due at closing. Uses and sources reconcile at $300,779.61 each. Not a Closing Disclosure.