Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$64,796Cash toward the purchase price.
Closing costs + prepaids$10,603Not just lender fees.
Before credits & paid funds$75,399The complete starting cash picture.
Estimated remaining funds due at closing
$75,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,795.91
Your down payment$64,795.91
Closing costs + prepaids$10,602.88
Total buyer cash needed$75,398.79
Remaining funds due$75,398.79
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%)$2,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,136.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$802.00
Prepaid interest, first (23 days)$526.86
Fees + prepaids$10,602.88
Your down payment is the seller’s equity. You take over the $227,204 balance, so the rest of the $292,000 price is paid at closing. A second mortgage can cover part of it. $75,398.79 is due at closing. Uses and sources reconcile at $302,602.88 each. Not a Closing Disclosure.