Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$48,386Cash toward the purchase price.
Closing costs + prepaids$10,463Not just lender fees.
Before credits & paid funds$58,850The complete starting cash picture.
Estimated remaining funds due at closing
$58,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,386.18
Your down payment$48,386.18
Closing costs + prepaids$10,463.48
Total buyer cash needed$58,849.66
Remaining funds due$58,849.66
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%)$2,630.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,073.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,000.00
Prepaid interest, first (25 days)$542.41
Fees + prepaids$10,463.48
Your down payment is the seller’s equity. You take over the $214,614 balance, so the rest of the $263,000 price is paid at closing. A second mortgage can cover part of it. $58,849.66 is due at closing. Uses and sources reconcile at $273,463.48 each. Not a Closing Disclosure.