Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$105,445Cash toward the purchase price.
Closing costs + prepaids$9,220Not just lender fees.
Before credits & paid funds$114,665The complete starting cash picture.
Estimated remaining funds due at closing
$114,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,444.86
Your down payment$105,444.86
Closing costs + prepaids$9,219.80
Total buyer cash needed$114,664.66
Remaining funds due$114,664.66
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%)$2,580.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$762.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$286.00
Prepaid interest, first (25 days)$373.03
Fees + prepaids$9,219.80
Your down payment is the seller’s equity. You take over the $152,555 balance, so the rest of the $258,000 price is paid at closing. A second mortgage can cover part of it. $114,664.66 is due at closing. Uses and sources reconcile at $267,219.80 each. Not a Closing Disclosure.