Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$67,480Cash toward the purchase price.
Closing costs + prepaids$11,282Not just lender fees.
Before credits & paid funds$78,763The complete starting cash picture.
Estimated remaining funds due at closing
$78,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,480.35
Your down payment$67,480.35
Closing costs + prepaids$11,282.24
Total buyer cash needed$78,762.58
Remaining funds due$78,762.58
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%)$2,675.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,000.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,048.50
Initial HOA (3 months)$24.99
Prepaid interest, first (18 days)$315.65
Fees + prepaids$11,282.24
Your down payment is the seller’s equity. You take over the $200,020 balance, so the rest of the $267,500 price is paid at closing. A second mortgage can cover part of it. $78,762.58 is due at closing. Uses and sources reconcile at $278,782.24 each. Not a Closing Disclosure.