Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$58,398Cash toward the purchase price.
Closing costs + prepaids$9,859Not just lender fees.
Before credits & paid funds$68,257The complete starting cash picture.
Estimated remaining funds due at closing
$68,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,397.72
Your down payment$58,397.72
Closing costs + prepaids$9,858.92
Total buyer cash needed$68,256.64
Remaining funds due$68,256.64
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%)$2,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,058.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$123.25
Prepaid interest, first (21 days)$759.68
Fees + prepaids$9,858.92
Your down payment is the seller’s equity. You take over the $211,601 balance, so the rest of the $269,999 price is paid at closing. A second mortgage can cover part of it. $68,256.64 is due at closing. Uses and sources reconcile at $279,857.92 each. Not a Closing Disclosure.