Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$55,404Cash toward the purchase price.
Closing costs + prepaids$9,577Not just lender fees.
Before credits & paid funds$64,981The complete starting cash picture.
Estimated remaining funds due at closing
$64,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,403.66
Your down payment$55,403.66
Closing costs + prepaids$9,577.43
Total buyer cash needed$64,981.09
Remaining funds due$64,981.09
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$972.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$505.25
Prepaid interest, first (25 days)$381.20
Fees + prepaids$9,577.43
Your down payment is the seller’s equity. You take over the $194,596 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $64,981.09 is due at closing. Uses and sources reconcile at $259,577.43 each. Not a Closing Disclosure.