Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$64,281Cash toward the purchase price.
Closing costs + prepaids$10,125Not just lender fees.
Before credits & paid funds$74,406The complete starting cash picture.
Estimated remaining funds due at closing
$74,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,281.25
Your down payment$64,281.25
Closing costs + prepaids$10,124.51
Total buyer cash needed$74,405.77
Remaining funds due$74,405.77
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%)$2,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,138.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$802.00
Prepaid interest, first (2 days)$45.92
Fees + prepaids$10,124.51
Your down payment is the seller’s equity. You take over the $227,719 balance, so the rest of the $292,000 price is paid at closing. A second mortgage can cover part of it. $74,405.77 is due at closing. Uses and sources reconcile at $302,124.51 each. Not a Closing Disclosure.