Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$103,440Cash toward the purchase price.
Closing costs + prepaids$9,505Not just lender fees.
Before credits & paid funds$112,945The complete starting cash picture.
Estimated remaining funds due at closing
$112,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,440.23
Your down payment$103,440.23
Closing costs + prepaids$9,504.78
Total buyer cash needed$112,945.01
Remaining funds due$112,945.01
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%)$782.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$128.50
Initial HOA (3 months)$456.00
Prepaid interest, first (26 days)$320.98
Fees + prepaids$9,504.78
Your down payment is the seller’s equity. You take over the $156,460 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $112,945.01 is due at closing. Uses and sources reconcile at $269,404.78 each. Not a Closing Disclosure.