Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$62,897Cash toward the purchase price.
Closing costs + prepaids$9,827Not just lender fees.
Before credits & paid funds$72,725The complete starting cash picture.
Estimated remaining funds due at closing
$72,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,897.31
Your down payment$62,897.31
Closing costs + prepaids$9,827.21
Total buyer cash needed$72,724.52
Remaining funds due$72,724.52
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%)$2,598.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$985.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$419.00
Prepaid interest, first (27 days)$606.22
Fees + prepaids$9,827.21
Your down payment is the seller’s equity. You take over the $197,001 balance, so the rest of the $259,898 price is paid at closing. A second mortgage can cover part of it. $72,724.52 is due at closing. Uses and sources reconcile at $269,725.21 each. Not a Closing Disclosure.