Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,147Cash toward the purchase price.
Closing costs + prepaids$9,922Not just lender fees.
Before credits & paid funds$61,070The complete starting cash picture.
Estimated remaining funds due at closing
$61,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,147.27
Your down payment$51,147.27
Closing costs + prepaids$9,922.25
Total buyer cash needed$61,069.52
Remaining funds due$61,069.52
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%)$1,034.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$645.00
Prepaid interest, first (26 days)$444.99
Fees + prepaids$9,922.25
Your down payment is the seller’s equity. You take over the $206,853 balance, so the rest of the $258,000 price is paid at closing. A second mortgage can cover part of it. $61,069.52 is due at closing. Uses and sources reconcile at $267,922.25 each. Not a Closing Disclosure.