Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$164,892Cash toward the purchase price.
Closing costs + prepaids$9,933Not just lender fees.
Before credits & paid funds$174,825The complete starting cash picture.
Estimated remaining funds due at closing
$174,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,891.77
Your down payment$164,891.77
Closing costs + prepaids$9,933.08
Total buyer cash needed$174,824.85
Remaining funds due$174,824.85
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%)$2,620.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$485.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,395.00
Prepaid interest, first (28 days)$214.54
Fees + prepaids$9,933.08
Your down payment is the seller’s equity. You take over the $97,108 balance, so the rest of the $262,000 price is paid at closing. A second mortgage can cover part of it. $174,824.85 is due at closing. Uses and sources reconcile at $271,933.08 each. Not a Closing Disclosure.