Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$47,404Cash toward the purchase price.
Closing costs + prepaids$9,498Not just lender fees.
Before credits & paid funds$56,903The complete starting cash picture.
Estimated remaining funds due at closing
$56,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,404.42
Your down payment$47,404.42
Closing costs + prepaids$9,498.42
Total buyer cash needed$56,902.84
Remaining funds due$56,902.84
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%)$1,062.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$325.00
Prepaid interest, first (17 days)$293.94
Fees + prepaids$9,498.42
Your down payment is the seller’s equity. You take over the $212,496 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $56,902.84 is due at closing. Uses and sources reconcile at $269,398.42 each. Not a Closing Disclosure.