Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$57,201Cash toward the purchase price.
Closing costs + prepaids$10,196Not just lender fees.
Before credits & paid funds$67,397The complete starting cash picture.
Estimated remaining funds due at closing
$67,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,200.98
Your down payment$57,200.98
Closing costs + prepaids$10,195.83
Total buyer cash needed$67,396.81
Remaining funds due$67,396.81
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%)$2,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,009.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$933.00
Prepaid interest, first (28 days)$445.84
Fees + prepaids$10,195.83
Your down payment is the seller’s equity. You take over the $201,799 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $67,396.81 is due at closing. Uses and sources reconcile at $269,195.83 each. Not a Closing Disclosure.