Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$64,067Cash toward the purchase price.
Closing costs + prepaids$10,290Not just lender fees.
Before credits & paid funds$74,357The complete starting cash picture.
Estimated remaining funds due at closing
$74,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,066.99
Your down payment$64,066.99
Closing costs + prepaids$10,289.85
Total buyer cash needed$74,356.84
Remaining funds due$74,356.84
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%)$2,275.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$817.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,497.00
Prepaid interest, first (28 days)$482.69
Fees + prepaids$10,289.85
Your down payment is the seller’s equity. You take over the $163,433 balance, so the rest of the $227,500 price is paid at closing. A second mortgage can cover part of it. $74,356.84 is due at closing. Uses and sources reconcile at $237,789.85 each. Not a Closing Disclosure.