Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$174,120Cash toward the purchase price.
Closing costs + prepaids$9,093Not just lender fees.
Before credits & paid funds$183,213The complete starting cash picture.
Estimated remaining funds due at closing
$183,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,120.10
Your down payment$174,120.10
Closing costs + prepaids$9,092.55
Total buyer cash needed$183,212.64
Remaining funds due$183,212.64
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%)$2,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$429.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$650.00
Prepaid interest, first (29 days)$195.15
Fees + prepaids$9,092.55
Your down payment is the seller’s equity. You take over the $85,880 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $183,212.64 is due at closing. Uses and sources reconcile at $269,092.55 each. Not a Closing Disclosure.