Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$65,466Cash toward the purchase price.
Closing costs + prepaids$10,584Not just lender fees.
Before credits & paid funds$76,050The complete starting cash picture.
Estimated remaining funds due at closing
$76,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,465.76
Your down payment$65,465.76
Closing costs + prepaids$10,584.14
Total buyer cash needed$76,049.90
Remaining funds due$76,049.90
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%)$2,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,072.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$700.00
Prepaid interest, first (24 days)$793.48
Fees + prepaids$10,584.14
Your down payment is the seller’s equity. You take over the $214,533 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $76,049.90 is due at closing. Uses and sources reconcile at $290,583.14 each. Not a Closing Disclosure.