Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$54,021Cash toward the purchase price.
Closing costs + prepaids$10,116Not just lender fees.
Before credits & paid funds$64,137The complete starting cash picture.
Estimated remaining funds due at closing
$64,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,020.81
Your down payment$54,020.81
Closing costs + prepaids$10,116.41
Total buyer cash needed$64,137.22
Remaining funds due$64,137.22
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%)$929.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$611.75
Initial HOA (3 months)$900.00
Prepaid interest, first (4 days)$58.26
Fees + prepaids$10,116.41
Your down payment is the seller’s equity. You take over the $185,879 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $64,137.22 is due at closing. Uses and sources reconcile at $250,016.41 each. Not a Closing Disclosure.