Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,128Cash toward the purchase price.
Closing costs + prepaids$10,995Not just lender fees.
Before credits & paid funds$56,123The complete starting cash picture.
Estimated remaining funds due at closing
$56,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,127.54
Your down payment$45,127.54
Closing costs + prepaids$10,994.96
Total buyer cash needed$56,122.50
Remaining funds due$56,122.50
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%)$2,645.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,096.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$847.00
Prepaid interest, first (28 days)$1,188.10
Fees + prepaids$10,994.96
Your down payment is the seller’s equity. You take over the $219,372 balance, so the rest of the $264,500 price is paid at closing. A second mortgage can cover part of it. $56,122.50 is due at closing. Uses and sources reconcile at $275,494.96 each. Not a Closing Disclosure.