Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$59,828Cash toward the purchase price.
Closing costs + prepaids$9,697Not just lender fees.
Before credits & paid funds$69,525The complete starting cash picture.
Estimated remaining funds due at closing
$69,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,828.26
Your down payment$59,828.26
Closing costs + prepaids$9,697.13
Total buyer cash needed$69,525.39
Remaining funds due$69,525.39
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,100.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$112.50
Prepaid interest, first (25 days)$467.28
Fees + prepaids$9,697.13
Your down payment is the seller’s equity. You take over the $220,072 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $69,525.39 is due at closing. Uses and sources reconcile at $289,597.13 each. Not a Closing Disclosure.