Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$56,621Cash toward the purchase price.
Closing costs + prepaids$10,366Not just lender fees.
Before credits & paid funds$66,987The complete starting cash picture.
Estimated remaining funds due at closing
$66,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,620.91
Your down payment$56,620.91
Closing costs + prepaids$10,365.85
Total buyer cash needed$66,986.76
Remaining funds due$66,986.76
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%)$2,945.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,189.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$368.25
Prepaid interest, first (15 days)$645.21
Fees + prepaids$10,365.85
Your down payment is the seller’s equity. You take over the $237,879 balance, so the rest of the $294,500 price is paid at closing. A second mortgage can cover part of it. $66,986.76 is due at closing. Uses and sources reconcile at $304,865.85 each. Not a Closing Disclosure.