Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$57,170Cash toward the purchase price.
Closing costs + prepaids$9,493Not just lender fees.
Before credits & paid funds$66,663The complete starting cash picture.
Estimated remaining funds due at closing
$66,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,169.51
Your down payment$57,169.51
Closing costs + prepaids$9,493.14
Total buyer cash needed$66,662.66
Remaining funds due$66,662.66
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,089.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.00
Prepaid interest, first (6 days)$105.99
Fees + prepaids$9,493.14
Your down payment is the seller’s equity. You take over the $217,830 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $66,662.66 is due at closing. Uses and sources reconcile at $284,493.14 each. Not a Closing Disclosure.