Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$188,377Cash toward the purchase price.
Closing costs + prepaids$8,752Not just lender fees.
Before credits & paid funds$197,129The complete starting cash picture.
Estimated remaining funds due at closing
$197,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,376.51
Your down payment$188,376.51
Closing costs + prepaids$8,752.10
Total buyer cash needed$197,128.61
Remaining funds due$197,128.61
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$383.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$157.75
Prepaid interest, first (25 days)$343.23
Fees + prepaids$8,752.10
Your down payment is the seller’s equity. You take over the $76,623 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $197,128.61 is due at closing. Uses and sources reconcile at $273,752.10 each. Not a Closing Disclosure.