Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$70,764Cash toward the purchase price.
Closing costs + prepaids$9,435Not just lender fees.
Before credits & paid funds$80,198The complete starting cash picture.
Estimated remaining funds due at closing
$80,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,763.55
Your down payment$70,763.55
Closing costs + prepaids$9,434.70
Total buyer cash needed$80,198.26
Remaining funds due$80,198.26
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%)$2,659.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$976.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$208.25
Prepaid interest, first (24 days)$372.28
Fees + prepaids$9,434.70
Your down payment is the seller’s equity. You take over the $195,235 balance, so the rest of the $265,999 price is paid at closing. A second mortgage can cover part of it. $80,198.26 is due at closing. Uses and sources reconcile at $275,433.70 each. Not a Closing Disclosure.