Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$171,043Cash toward the purchase price.
Closing costs + prepaids$8,821Not just lender fees.
Before credits & paid funds$179,863The complete starting cash picture.
Estimated remaining funds due at closing
$179,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,042.84
Your down payment$171,042.84
Closing costs + prepaids$8,820.66
Total buyer cash needed$179,863.50
Remaining funds due$179,863.50
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%)$2,595.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$442.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$319.00
Prepaid interest, first (23 days)$246.37
Fees + prepaids$8,820.66
Your down payment is the seller’s equity. You take over the $88,457 balance, so the rest of the $259,500 price is paid at closing. A second mortgage can cover part of it. $179,863.50 is due at closing. Uses and sources reconcile at $268,320.66 each. Not a Closing Disclosure.