Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$60,338Cash toward the purchase price.
Closing costs + prepaids$10,994Not just lender fees.
Before credits & paid funds$71,332The complete starting cash picture.
Estimated remaining funds due at closing
$71,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,338.10
Your down payment$60,338.10
Closing costs + prepaids$10,994.17
Total buyer cash needed$71,332.28
Remaining funds due$71,332.28
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$997.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,740.00
Prepaid interest, first (28 days)$439.36
Fees + prepaids$10,994.17
Your down payment is the seller’s equity. You take over the $199,562 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $71,332.28 is due at closing. Uses and sources reconcile at $270,894.17 each. Not a Closing Disclosure.