Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$64,348Cash toward the purchase price.
Closing costs + prepaids$10,320Not just lender fees.
Before credits & paid funds$74,668The complete starting cash picture.
Estimated remaining funds due at closing
$74,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,348.27
Your down payment$64,348.27
Closing costs + prepaids$10,319.58
Total buyer cash needed$74,667.85
Remaining funds due$74,667.85
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%)$1,028.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$440.75
Initial HOA (3 months)$330.00
Prepaid interest, first (31 days)$602.58
Fees + prepaids$10,319.58
Your down payment is the seller’s equity. You take over the $205,651 balance, so the rest of the $269,999 price is paid at closing. A second mortgage can cover part of it. $74,667.85 is due at closing. Uses and sources reconcile at $280,318.58 each. Not a Closing Disclosure.