Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$166,524Cash toward the purchase price.
Closing costs + prepaids$9,051Not just lender fees.
Before credits & paid funds$175,576The complete starting cash picture.
Estimated remaining funds due at closing
$175,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,524.47
Your down payment$166,524.47
Closing costs + prepaids$9,051.35
Total buyer cash needed$175,575.81
Remaining funds due$175,575.81
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%)$2,510.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$422.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$627.50
Prepaid interest, first (28 days)$273.47
Fees + prepaids$9,051.35
Your down payment is the seller’s equity. You take over the $84,476 balance, so the rest of the $251,000 price is paid at closing. A second mortgage can cover part of it. $175,575.81 is due at closing. Uses and sources reconcile at $260,051.35 each. Not a Closing Disclosure.