Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$55,631Cash toward the purchase price.
Closing costs + prepaids$9,840Not just lender fees.
Before credits & paid funds$65,471The complete starting cash picture.
Estimated remaining funds due at closing
$65,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,630.90
Your down payment$55,630.90
Closing costs + prepaids$9,840.05
Total buyer cash needed$65,470.95
Remaining funds due$65,470.95
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%)$1,036.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$163.00
Prepaid interest, first (24 days)$792.21
Fees + prepaids$9,840.05
Your down payment is the seller’s equity. You take over the $207,369 balance, so the rest of the $263,000 price is paid at closing. A second mortgage can cover part of it. $65,470.95 is due at closing. Uses and sources reconcile at $272,840.05 each. Not a Closing Disclosure.