Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$92,535Cash toward the purchase price.
Closing costs + prepaids$9,862Not just lender fees.
Before credits & paid funds$102,397The complete starting cash picture.
Estimated remaining funds due at closing
$102,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,534.85
Your down payment$92,534.85
Closing costs + prepaids$9,862.46
Total buyer cash needed$102,397.30
Remaining funds due$102,397.30
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%)$836.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$532.75
Prepaid interest, first (22 days)$675.88
Fees + prepaids$9,862.46
Your down payment is the seller’s equity. You take over the $167,365 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $102,397.30 is due at closing. Uses and sources reconcile at $269,762.46 each. Not a Closing Disclosure.