Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$109,304Cash toward the purchase price.
Closing costs + prepaids$10,435Not just lender fees.
Before credits & paid funds$119,739The complete starting cash picture.
Estimated remaining funds due at closing
$119,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,303.87
Your down payment$109,303.87
Closing costs + prepaids$10,434.70
Total buyer cash needed$119,738.57
Remaining funds due$119,738.57
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%)$752.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,579.00
Prepaid interest, first (25 days)$285.72
Fees + prepaids$10,434.70
Your down payment is the seller’s equity. You take over the $150,596 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $119,738.57 is due at closing. Uses and sources reconcile at $270,334.70 each. Not a Closing Disclosure.