Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$54,893Cash toward the purchase price.
Closing costs + prepaids$9,832Not just lender fees.
Before credits & paid funds$64,725The complete starting cash picture.
Estimated remaining funds due at closing
$64,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,892.62
Your down payment$54,892.62
Closing costs + prepaids$9,832.07
Total buyer cash needed$64,724.69
Remaining funds due$64,724.69
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%)$1,050.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (23 days)$913.54
Fees + prepaids$9,832.07
Your down payment is the seller’s equity. You take over the $210,107 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $64,724.69 is due at closing. Uses and sources reconcile at $274,832.07 each. Not a Closing Disclosure.