Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$66,931Cash toward the purchase price.
Closing costs + prepaids$10,077Not just lender fees.
Before credits & paid funds$77,008The complete starting cash picture.
Estimated remaining funds due at closing
$77,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,930.67
Your down payment$66,930.67
Closing costs + prepaids$10,077.28
Total buyer cash needed$77,007.94
Remaining funds due$77,007.94
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,090.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$356.25
Prepaid interest, first (17 days)$562.68
Fees + prepaids$10,077.28
Your down payment is the seller’s equity. You take over the $218,069 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $77,007.94 is due at closing. Uses and sources reconcile at $295,077.28 each. Not a Closing Disclosure.