Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$55,350Cash toward the purchase price.
Closing costs + prepaids$10,056Not just lender fees.
Before credits & paid funds$65,406The complete starting cash picture.
Estimated remaining funds due at closing
$65,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,349.84
Your down payment$55,349.84
Closing costs + prepaids$10,056.15
Total buyer cash needed$65,406.00
Remaining funds due$65,406.00
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%)$2,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,058.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$128.25
Prepaid interest, first (27 days)$981.65
Fees + prepaids$10,056.15
Your down payment is the seller’s equity. You take over the $211,650 balance, so the rest of the $267,000 price is paid at closing. A second mortgage can cover part of it. $65,406.00 is due at closing. Uses and sources reconcile at $277,056.15 each. Not a Closing Disclosure.