Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$52,445Cash toward the purchase price.
Closing costs + prepaids$10,213Not just lender fees.
Before credits & paid funds$62,658The complete starting cash picture.
Estimated remaining funds due at closing
$62,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,445.09
Your down payment$52,445.09
Closing costs + prepaids$10,213.26
Total buyer cash needed$62,658.35
Remaining funds due$62,658.35
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%)$2,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,102.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$506.50
Prepaid interest, first (23 days)$655.98
Fees + prepaids$10,213.26
Your down payment is the seller’s equity. You take over the $220,555 balance, so the rest of the $273,000 price is paid at closing. A second mortgage can cover part of it. $62,658.35 is due at closing. Uses and sources reconcile at $283,213.26 each. Not a Closing Disclosure.