Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$193,683Cash toward the purchase price.
Closing costs + prepaids$9,138Not just lender fees.
Before credits & paid funds$202,822The complete starting cash picture.
Estimated remaining funds due at closing
$202,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,683.47
Your down payment$193,683.47
Closing costs + prepaids$9,138.32
Total buyer cash needed$202,821.79
Remaining funds due$202,821.79
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%)$2,580.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$321.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$645.00
Initial HOA (3 months)$210.00
Prepaid interest, first (23 days)$163.73
Fees + prepaids$9,138.32
Your down payment is the seller’s equity. You take over the $64,317 balance, so the rest of the $258,000 price is paid at closing. A second mortgage can cover part of it. $202,821.79 is due at closing. Uses and sources reconcile at $267,138.32 each. Not a Closing Disclosure.