Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$56,740Cash toward the purchase price.
Closing costs + prepaids$9,784Not just lender fees.
Before credits & paid funds$66,524The complete starting cash picture.
Estimated remaining funds due at closing
$66,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,739.84
Your down payment$56,739.84
Closing costs + prepaids$9,784.22
Total buyer cash needed$66,524.06
Remaining funds due$66,524.06
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%)$2,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,011.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$933.00
Prepaid interest, first (2 days)$31.92
Fees + prepaids$9,784.22
Your down payment is the seller’s equity. You take over the $202,260 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $66,524.06 is due at closing. Uses and sources reconcile at $268,784.22 each. Not a Closing Disclosure.