Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$171,383Cash toward the purchase price.
Closing costs + prepaids$8,980Not just lender fees.
Before credits & paid funds$180,364The complete starting cash picture.
Estimated remaining funds due at closing
$180,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,383.42
Your down payment$171,383.42
Closing costs + prepaids$8,980.25
Total buyer cash needed$180,363.67
Remaining funds due$180,363.67
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%)$2,599.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$443.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.75
Prepaid interest, first (24 days)$218.49
Fees + prepaids$8,980.25
Your down payment is the seller’s equity. You take over the $88,612 balance, so the rest of the $259,995 price is paid at closing. A second mortgage can cover part of it. $180,363.67 is due at closing. Uses and sources reconcile at $268,975.25 each. Not a Closing Disclosure.