Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$63,048Cash toward the purchase price.
Closing costs + prepaids$9,990Not just lender fees.
Before credits & paid funds$73,039The complete starting cash picture.
Estimated remaining funds due at closing
$73,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,048.50
Your down payment$63,048.50
Closing costs + prepaids$9,990.45
Total buyer cash needed$73,038.95
Remaining funds due$73,038.95
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$984.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$325.00
Initial HOA (3 months)$350.01
Prepaid interest, first (14 days)$514.19
Fees + prepaids$9,990.45
Your down payment is the seller’s equity. You take over the $196,852 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $73,038.95 is due at closing. Uses and sources reconcile at $269,890.45 each. Not a Closing Disclosure.