Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$55,121Cash toward the purchase price.
Closing costs + prepaids$9,900Not just lender fees.
Before credits & paid funds$65,021The complete starting cash picture.
Estimated remaining funds due at closing
$65,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,121.21
Your down payment$55,121.21
Closing costs + prepaids$9,900.15
Total buyer cash needed$65,021.35
Remaining funds due$65,021.35
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%)$2,399.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$924.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$227.25
Initial HOA (3 months)$735.00
Prepaid interest, first (22 days)$395.58
Fees + prepaids$9,900.15
Your down payment is the seller’s equity. You take over the $184,874 balance, so the rest of the $239,995 price is paid at closing. A second mortgage can cover part of it. $65,021.35 is due at closing. Uses and sources reconcile at $249,895.15 each. Not a Closing Disclosure.