Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$61,277Cash toward the purchase price.
Closing costs + prepaids$9,977Not just lender fees.
Before credits & paid funds$71,254The complete starting cash picture.
Estimated remaining funds due at closing
$71,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,276.88
Your down payment$61,276.88
Closing costs + prepaids$9,977.12
Total buyer cash needed$71,254.00
Remaining funds due$71,254.00
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%)$2,399.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$893.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,431.50
Prepaid interest, first (2 days)$34.76
Fees + prepaids$9,977.12
Your down payment is the seller’s equity. You take over the $178,673 balance, so the rest of the $239,950 price is paid at closing. A second mortgage can cover part of it. $71,254.00 is due at closing. Uses and sources reconcile at $249,927.12 each. Not a Closing Disclosure.