Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$53,597Cash toward the purchase price.
Closing costs + prepaids$9,677Not just lender fees.
Before credits & paid funds$63,274The complete starting cash picture.
Estimated remaining funds due at closing
$63,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,597.00
Your down payment$53,597.00
Closing costs + prepaids$9,677.20
Total buyer cash needed$63,274.20
Remaining funds due$63,274.20
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%)$2,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,032.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.00
Prepaid interest, first (23 days)$390.19
Fees + prepaids$9,677.20
Your down payment is the seller’s equity. You take over the $206,403 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $63,274.20 is due at closing. Uses and sources reconcile at $269,677.20 each. Not a Closing Disclosure.