Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$58,795Cash toward the purchase price.
Closing costs + prepaids$9,980Not just lender fees.
Before credits & paid funds$68,775The complete starting cash picture.
Estimated remaining funds due at closing
$68,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,794.65
Your down payment$58,794.65
Closing costs + prepaids$9,980.06
Total buyer cash needed$68,774.71
Remaining funds due$68,774.71
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%)$2,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,006.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$338.00
Prepaid interest, first (28 days)$818.05
Fees + prepaids$9,980.06
Your down payment is the seller’s equity. You take over the $201,204 balance, so the rest of the $259,999 price is paid at closing. A second mortgage can cover part of it. $68,774.71 is due at closing. Uses and sources reconcile at $269,979.06 each. Not a Closing Disclosure.