Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$86,421Cash toward the purchase price.
Closing costs + prepaids$9,620Not just lender fees.
Before credits & paid funds$96,040The complete starting cash picture.
Estimated remaining funds due at closing
$96,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,420.78
Your down payment$86,420.78
Closing costs + prepaids$9,619.63
Total buyer cash needed$96,040.41
Remaining funds due$96,040.41
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%)$2,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$862.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$647.50
Prepaid interest, first (23 days)$301.23
Fees + prepaids$9,619.63
Your down payment is the seller’s equity. You take over the $172,579 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $96,040.41 is due at closing. Uses and sources reconcile at $268,619.63 each. Not a Closing Disclosure.