Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$105,639Cash toward the purchase price.
Closing costs + prepaids$11,263Not just lender fees.
Before credits & paid funds$116,901The complete starting cash picture.
Estimated remaining funds due at closing
$116,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,638.95
Your down payment$105,638.95
Closing costs + prepaids$11,262.51
Total buyer cash needed$116,901.46
Remaining funds due$116,901.46
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%)$2,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$796.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,337.50
Initial HOA (3 months)$1,002.00
Prepaid interest, first (24 days)$259.70
Fees + prepaids$11,262.51
Your down payment is the seller’s equity. You take over the $159,261 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $116,901.46 is due at closing. Uses and sources reconcile at $276,162.51 each. Not a Closing Disclosure.