Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$165,686Cash toward the purchase price.
Closing costs + prepaids$8,835Not just lender fees.
Before credits & paid funds$174,521The complete starting cash picture.
Estimated remaining funds due at closing
$174,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,686.05
Your down payment$165,686.05
Closing costs + prepaids$8,835.11
Total buyer cash needed$174,521.16
Remaining funds due$174,521.16
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$471.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$326.50
Prepaid interest, first (24 days)$220.54
Fees + prepaids$8,835.11
Your down payment is the seller’s equity. You take over the $94,214 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $174,521.16 is due at closing. Uses and sources reconcile at $268,735.11 each. Not a Closing Disclosure.