Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$42,079Cash toward the purchase price.
Closing costs + prepaids$10,295Not just lender fees.
Before credits & paid funds$52,374The complete starting cash picture.
Estimated remaining funds due at closing
$52,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,078.66
Your down payment$42,078.66
Closing costs + prepaids$10,294.85
Total buyer cash needed$52,373.51
Remaining funds due$52,373.51
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,089.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$418.75
Prepaid interest, first (27 days)$969.99
Fees + prepaids$10,294.85
Your down payment is the seller’s equity. You take over the $217,821 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $52,373.51 is due at closing. Uses and sources reconcile at $270,194.85 each. Not a Closing Disclosure.