Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$70,764Cash toward the purchase price.
Closing costs + prepaids$9,466Not just lender fees.
Before credits & paid funds$80,229The complete starting cash picture.
Estimated remaining funds due at closing
$80,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,763.55
Your down payment$70,763.55
Closing costs + prepaids$9,465.73
Total buyer cash needed$80,229.28
Remaining funds due$80,229.28
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%)$2,659.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$976.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$208.25
Prepaid interest, first (26 days)$403.31
Fees + prepaids$9,465.73
Your down payment is the seller’s equity. You take over the $195,235 balance, so the rest of the $265,999 price is paid at closing. A second mortgage can cover part of it. $80,229.28 is due at closing. Uses and sources reconcile at $275,464.73 each. Not a Closing Disclosure.