Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$59,349Cash toward the purchase price.
Closing costs + prepaids$9,719Not just lender fees.
Before credits & paid funds$69,068The complete starting cash picture.
Estimated remaining funds due at closing
$69,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,349.27
Your down payment$59,349.27
Closing costs + prepaids$9,719.20
Total buyer cash needed$69,068.47
Remaining funds due$69,068.47
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,028.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$318.00
Initial HOA (3 months)$330.00
Prepaid interest, first (9 days)$174.94
Fees + prepaids$9,719.20
Your down payment is the seller’s equity. You take over the $205,651 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $69,068.47 is due at closing. Uses and sources reconcile at $274,719.20 each. Not a Closing Disclosure.