Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$53,050Cash toward the purchase price.
Closing costs + prepaids$11,956Not just lender fees.
Before credits & paid funds$65,007The complete starting cash picture.
Estimated remaining funds due at closing
$65,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,050.38
Your down payment$53,050.38
Closing costs + prepaids$11,956.34
Total buyer cash needed$65,006.72
Remaining funds due$65,006.72
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,129.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,841.00
Prepaid interest, first (24 days)$977.59
Fees + prepaids$11,956.34
Your down payment is the seller’s equity. You take over the $225,950 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $65,006.72 is due at closing. Uses and sources reconcile at $290,956.34 each. Not a Closing Disclosure.