Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$54,787Cash toward the purchase price.
Closing costs + prepaids$9,841Not just lender fees.
Before credits & paid funds$64,628The complete starting cash picture.
Estimated remaining funds due at closing
$64,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,786.82
Your down payment$54,786.82
Closing costs + prepaids$9,840.89
Total buyer cash needed$64,627.72
Remaining funds due$64,627.72
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,025.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$159.50
Prepaid interest, first (23 days)$838.83
Fees + prepaids$9,840.89
Your down payment is the seller’s equity. You take over the $205,113 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $64,627.72 is due at closing. Uses and sources reconcile at $269,740.89 each. Not a Closing Disclosure.