Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$50,030Cash toward the purchase price.
Closing costs + prepaids$10,895Not just lender fees.
Before credits & paid funds$60,926The complete starting cash picture.
Estimated remaining funds due at closing
$60,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,030.46
Your down payment$50,030.46
Closing costs + prepaids$10,895.28
Total buyer cash needed$60,925.74
Remaining funds due$60,925.74
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%)$2,580.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,039.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$328.25
Initial HOA (3 months)$1,308.00
Prepaid interest, first (24 days)$421.18
Fees + prepaids$10,895.28
Your down payment is the seller’s equity. You take over the $207,970 balance, so the rest of the $258,000 price is paid at closing. A second mortgage can cover part of it. $60,925.74 is due at closing. Uses and sources reconcile at $268,895.28 each. Not a Closing Disclosure.