Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$58,057Cash toward the purchase price.
Closing costs + prepaids$10,011Not just lender fees.
Before credits & paid funds$68,068The complete starting cash picture.
Estimated remaining funds due at closing
$68,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,056.82
Your down payment$58,056.82
Closing costs + prepaids$10,010.75
Total buyer cash needed$68,067.56
Remaining funds due$68,067.56
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%)$2,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,004.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$647.50
Prepaid interest, first (25 days)$550.53
Fees + prepaids$10,010.75
Your down payment is the seller’s equity. You take over the $200,943 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $68,067.56 is due at closing. Uses and sources reconcile at $269,010.75 each. Not a Closing Disclosure.