Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$91,752Cash toward the purchase price.
Closing costs + prepaids$9,196Not just lender fees.
Before credits & paid funds$100,948The complete starting cash picture.
Estimated remaining funds due at closing
$100,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,751.94
Your down payment$91,751.94
Closing costs + prepaids$9,196.23
Total buyer cash needed$100,948.17
Remaining funds due$100,948.17
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%)$2,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$826.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$227.50
Prepaid interest, first (27 days)$354.49
Fees + prepaids$9,196.23
Your down payment is the seller’s equity. You take over the $165,248 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $100,948.17 is due at closing. Uses and sources reconcile at $266,196.23 each. Not a Closing Disclosure.