Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$65,735Cash toward the purchase price.
Closing costs + prepaids$10,516Not just lender fees.
Before credits & paid funds$76,251The complete starting cash picture.
Estimated remaining funds due at closing
$76,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,735.29
Your down payment$65,735.29
Closing costs + prepaids$10,515.93
Total buyer cash needed$76,251.23
Remaining funds due$76,251.23
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,066.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$782.75
Initial HOA (3 months)$255.00
Prepaid interest, first (24 days)$403.86
Fees + prepaids$10,515.93
Your down payment is the seller’s equity. You take over the $213,265 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $76,251.23 is due at closing. Uses and sources reconcile at $289,515.93 each. Not a Closing Disclosure.