Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,626Cash toward the purchase price.
Closing costs + prepaids$8,735Not just lender fees.
Before credits & paid funds$153,361The complete starting cash picture.
Estimated remaining funds due at closing
$153,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,625.54
Your down payment$144,625.54
Closing costs + prepaids$8,735.42
Total buyer cash needed$153,360.96
Remaining funds due$153,360.96
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%)$576.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$105.50
Prepaid interest, first (26 days)$235.05
Fees + prepaids$8,735.42
Your down payment is the seller’s equity. You take over the $115,374 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $153,360.96 is due at closing. Uses and sources reconcile at $268,735.42 each. Not a Closing Disclosure.