Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$55,382Cash toward the purchase price.
Closing costs + prepaids$10,211Not just lender fees.
Before credits & paid funds$65,593The complete starting cash picture.
Estimated remaining funds due at closing
$65,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,381.59
Your down payment$55,381.59
Closing costs + prepaids$10,211.14
Total buyer cash needed$65,592.73
Remaining funds due$65,592.73
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%)$2,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,097.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Initial HOA (3 months)$525.00
Prepaid interest, first (2 days)$81.55
Fees + prepaids$10,211.14
Your down payment is the seller’s equity. You take over the $219,518 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $65,592.73 is due at closing. Uses and sources reconcile at $285,111.14 each. Not a Closing Disclosure.