Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$159,953Cash toward the purchase price.
Closing costs + prepaids$9,636Not just lender fees.
Before credits & paid funds$169,589The complete starting cash picture.
Estimated remaining funds due at closing
$169,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,952.57
Your down payment$159,952.57
Closing costs + prepaids$9,636.19
Total buyer cash needed$169,588.76
Remaining funds due$169,588.76
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%)$499.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$794.00
Initial HOA (3 months)$351.00
Prepaid interest, first (23 days)$174.46
Fees + prepaids$9,636.19
Your down payment is the seller’s equity. You take over the $99,947 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $169,588.76 is due at closing. Uses and sources reconcile at $269,536.19 each. Not a Closing Disclosure.