Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$58,807Cash toward the purchase price.
Closing costs + prepaids$9,575Not just lender fees.
Before credits & paid funds$68,382The complete starting cash picture.
Estimated remaining funds due at closing
$68,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,807.05
Your down payment$58,807.05
Closing costs + prepaids$9,575.44
Total buyer cash needed$68,382.50
Remaining funds due$68,382.50
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%)$2,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$990.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$321.25
Prepaid interest, first (16 days)$475.23
Fees + prepaids$9,575.44
Your down payment is the seller’s equity. You take over the $198,193 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $68,382.50 is due at closing. Uses and sources reconcile at $266,575.44 each. Not a Closing Disclosure.