Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$53,705Cash toward the purchase price.
Closing costs + prepaids$10,528Not just lender fees.
Before credits & paid funds$64,233The complete starting cash picture.
Estimated remaining funds due at closing
$64,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,704.69
Your down payment$53,704.69
Closing costs + prepaids$10,528.20
Total buyer cash needed$64,232.89
Remaining funds due$64,232.89
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%)$2,555.30
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,009.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,702.75
Prepaid interest, first (2 days)$43.02
Fees + prepaids$10,528.20
Your down payment is the seller’s equity. You take over the $201,825 balance, so the rest of the $255,530 price is paid at closing. A second mortgage can cover part of it. $64,232.89 is due at closing. Uses and sources reconcile at $266,058.20 each. Not a Closing Disclosure.