Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$56,589Cash toward the purchase price.
Closing costs + prepaids$10,473Not just lender fees.
Before credits & paid funds$67,062The complete starting cash picture.
Estimated remaining funds due at closing
$67,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,589.09
Your down payment$56,589.09
Closing costs + prepaids$10,473.33
Total buyer cash needed$67,062.42
Remaining funds due$67,062.42
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,042.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,077.25
Prepaid interest, first (28 days)$486.03
Fees + prepaids$10,473.33
Your down payment is the seller’s equity. You take over the $208,411 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $67,062.42 is due at closing. Uses and sources reconcile at $275,473.33 each. Not a Closing Disclosure.