Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$65,279Cash toward the purchase price.
Closing costs + prepaids$9,987Not just lender fees.
Before credits & paid funds$75,265The complete starting cash picture.
Estimated remaining funds due at closing
$75,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,278.66
Your down payment$65,278.66
Closing costs + prepaids$9,986.69
Total buyer cash needed$75,265.35
Remaining funds due$75,265.35
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$873.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$288.00
Initial HOA (3 months)$1,053.00
Prepaid interest, first (12 days)$155.58
Fees + prepaids$9,986.69
Your down payment is the seller’s equity. You take over the $174,621 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $75,265.35 is due at closing. Uses and sources reconcile at $249,886.69 each. Not a Closing Disclosure.