Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$56,526Cash toward the purchase price.
Closing costs + prepaids$9,233Not just lender fees.
Before credits & paid funds$65,760The complete starting cash picture.
Estimated remaining funds due at closing
$65,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,526.48
Your down payment$56,526.48
Closing costs + prepaids$9,233.17
Total buyer cash needed$65,759.65
Remaining funds due$65,759.65
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%)$2,460.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$947.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$295.25
Prepaid interest, first (9 days)$312.55
Fees + prepaids$9,233.17
Your down payment is the seller’s equity. You take over the $189,474 balance, so the rest of the $246,000 price is paid at closing. A second mortgage can cover part of it. $65,759.65 is due at closing. Uses and sources reconcile at $255,233.17 each. Not a Closing Disclosure.