Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$100,915Cash toward the purchase price.
Closing costs + prepaids$10,463Not just lender fees.
Before credits & paid funds$111,378The complete starting cash picture.
Estimated remaining funds due at closing
$111,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,914.77
Your down payment$100,914.77
Closing costs + prepaids$10,463.36
Total buyer cash needed$111,378.12
Remaining funds due$111,378.12
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%)$2,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$795.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,531.50
Prepaid interest, first (26 days)$318.43
Fees + prepaids$10,463.36
Your down payment is the seller’s equity. You take over the $159,085 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $111,378.12 is due at closing. Uses and sources reconcile at $270,463.36 each. Not a Closing Disclosure.