Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$125,311Cash toward the purchase price.
Closing costs + prepaids$9,790Not just lender fees.
Before credits & paid funds$135,101The complete starting cash picture.
Estimated remaining funds due at closing
$135,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,311.06
Your down payment$125,311.06
Closing costs + prepaids$9,790.39
Total buyer cash needed$135,101.46
Remaining funds due$135,101.46
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%)$2,585.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$665.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$403.50
Initial HOA (3 months)$450.00
Prepaid interest, first (28 days)$467.95
Fees + prepaids$9,790.39
Your down payment is the seller’s equity. You take over the $133,189 balance, so the rest of the $258,500 price is paid at closing. A second mortgage can cover part of it. $135,101.46 is due at closing. Uses and sources reconcile at $268,290.39 each. Not a Closing Disclosure.