Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$63,567Cash toward the purchase price.
Closing costs + prepaids$9,363Not just lender fees.
Before credits & paid funds$72,930The complete starting cash picture.
Estimated remaining funds due at closing
$72,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,567.26
Your down payment$63,567.26
Closing costs + prepaids$9,363.21
Total buyer cash needed$72,930.47
Remaining funds due$72,930.47
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%)$2,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,006.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$318.00
Prepaid interest, first (10 days)$171.55
Fees + prepaids$9,363.21
Your down payment is the seller’s equity. You take over the $201,333 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $72,930.47 is due at closing. Uses and sources reconcile at $274,263.21 each. Not a Closing Disclosure.