Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,034Cash toward the purchase price.
Closing costs + prepaids$10,639Not just lender fees.
Before credits & paid funds$60,673The complete starting cash picture.
Estimated remaining funds due at closing
$60,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,034.22
Your down payment$50,034.22
Closing costs + prepaids$10,638.93
Total buyer cash needed$60,673.15
Remaining funds due$60,673.15
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,074.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$662.50
Prepaid interest, first (27 days)$1,033.60
Fees + prepaids$10,638.93
Your down payment is the seller’s equity. You take over the $214,966 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $60,673.15 is due at closing. Uses and sources reconcile at $275,638.93 each. Not a Closing Disclosure.