Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$46,855Cash toward the purchase price.
Closing costs + prepaids$9,993Not just lender fees.
Before credits & paid funds$56,848The complete starting cash picture.
Estimated remaining funds due at closing
$56,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,855.06
Your down payment$46,855.06
Closing costs + prepaids$9,993.01
Total buyer cash needed$56,848.07
Remaining funds due$56,848.07
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%)$2,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,065.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,028.00
Prepaid interest, first (2 days)$81.29
Fees + prepaids$9,993.01
Your down payment is the seller’s equity. You take over the $213,145 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $56,848.07 is due at closing. Uses and sources reconcile at $269,993.01 each. Not a Closing Disclosure.