Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$60,560Cash toward the purchase price.
Closing costs + prepaids$9,654Not just lender fees.
Before credits & paid funds$70,214The complete starting cash picture.
Estimated remaining funds due at closing
$70,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,560.44
Your down payment$60,560.44
Closing costs + prepaids$9,653.62
Total buyer cash needed$70,214.06
Remaining funds due$70,214.06
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%)$2,345.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$869.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$478.75
Prepaid interest, first (26 days)$742.17
Fees + prepaids$9,653.62
Your down payment is the seller’s equity. You take over the $173,940 balance, so the rest of the $234,500 price is paid at closing. A second mortgage can cover part of it. $70,214.06 is due at closing. Uses and sources reconcile at $244,153.62 each. Not a Closing Disclosure.