Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,993Cash toward the purchase price.
Closing costs + prepaids$10,796Not just lender fees.
Before credits & paid funds$59,789The complete starting cash picture.
Estimated remaining funds due at closing
$59,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,993.00
Your down payment$48,993.00
Closing costs + prepaids$10,796.22
Total buyer cash needed$59,789.22
Remaining funds due$59,789.22
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%)$2,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,104.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$674.75
Prepaid interest, first (26 days)$1,099.94
Fees + prepaids$10,796.22
Your down payment is the seller’s equity. You take over the $220,907 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $59,789.22 is due at closing. Uses and sources reconcile at $280,696.22 each. Not a Closing Disclosure.