Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$77,922Cash toward the purchase price.
Closing costs + prepaids$10,605Not just lender fees.
Before credits & paid funds$88,526The complete starting cash picture.
Estimated remaining funds due at closing
$88,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,921.68
Your down payment$77,921.68
Closing costs + prepaids$10,604.57
Total buyer cash needed$88,526.25
Remaining funds due$88,526.25
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%)$2,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$950.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$553.00
Initial HOA (3 months)$741.00
Prepaid interest, first (25 days)$462.18
Fees + prepaids$10,604.57
Your down payment is the seller’s equity. You take over the $190,078 balance, so the rest of the $268,000 price is paid at closing. A second mortgage can cover part of it. $88,526.25 is due at closing. Uses and sources reconcile at $278,604.57 each. Not a Closing Disclosure.