Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$66,304Cash toward the purchase price.
Closing costs + prepaids$10,515Not just lender fees.
Before credits & paid funds$76,820The complete starting cash picture.
Estimated remaining funds due at closing
$76,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,304.45
Your down payment$66,304.45
Closing costs + prepaids$10,515.46
Total buyer cash needed$76,819.92
Remaining funds due$76,819.92
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,043.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$687.50
Prepaid interest, first (28 days)$816.49
Fees + prepaids$10,515.46
Your down payment is the seller’s equity. You take over the $208,696 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $76,819.92 is due at closing. Uses and sources reconcile at $285,515.46 each. Not a Closing Disclosure.