Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$54,621Cash toward the purchase price.
Closing costs + prepaids$10,277Not just lender fees.
Before credits & paid funds$64,899The complete starting cash picture.
Estimated remaining funds due at closing
$64,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,621.05
Your down payment$54,621.05
Closing costs + prepaids$10,277.45
Total buyer cash needed$64,898.50
Remaining funds due$64,898.50
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%)$2,895.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,174.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$362.00
Prepaid interest, first (16 days)$628.06
Fees + prepaids$10,277.45
Your down payment is the seller’s equity. You take over the $234,879 balance, so the rest of the $289,500 price is paid at closing. A second mortgage can cover part of it. $64,898.50 is due at closing. Uses and sources reconcile at $299,777.45 each. Not a Closing Disclosure.