Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$53,971Cash toward the purchase price.
Closing costs + prepaids$10,482Not just lender fees.
Before credits & paid funds$64,453The complete starting cash picture.
Estimated remaining funds due at closing
$64,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,971.04
Your down payment$53,971.04
Closing costs + prepaids$10,482.02
Total buyer cash needed$64,453.06
Remaining funds due$64,453.06
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%)$2,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$979.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.00
Initial HOA (3 months)$1,296.00
Prepaid interest, first (12 days)$189.38
Fees + prepaids$10,482.02
Your down payment is the seller’s equity. You take over the $195,929 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $64,453.06 is due at closing. Uses and sources reconcile at $260,382.02 each. Not a Closing Disclosure.