Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$66,307Cash toward the purchase price.
Closing costs + prepaids$11,247Not just lender fees.
Before credits & paid funds$77,554The complete starting cash picture.
Estimated remaining funds due at closing
$77,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,306.79
Your down payment$66,306.79
Closing costs + prepaids$11,247.11
Total buyer cash needed$77,553.90
Remaining funds due$77,553.90
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%)$2,760.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,048.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,546.75
Prepaid interest, first (23 days)$673.89
Fees + prepaids$11,247.11
Your down payment is the seller’s equity. You take over the $209,693 balance, so the rest of the $276,000 price is paid at closing. A second mortgage can cover part of it. $77,553.90 is due at closing. Uses and sources reconcile at $287,247.11 each. Not a Closing Disclosure.