Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$50,175Cash toward the purchase price.
Closing costs + prepaids$9,652Not just lender fees.
Before credits & paid funds$59,828The complete starting cash picture.
Estimated remaining funds due at closing
$59,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,175.48
Your down payment$50,175.48
Closing costs + prepaids$9,652.49
Total buyer cash needed$59,827.97
Remaining funds due$59,827.97
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,024.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$475.75
Prepaid interest, first (23 days)$384.62
Fees + prepaids$9,652.49
Your down payment is the seller’s equity. You take over the $204,825 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $59,827.97 is due at closing. Uses and sources reconcile at $264,652.49 each. Not a Closing Disclosure.