Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$92,807Cash toward the purchase price.
Closing costs + prepaids$10,155Not just lender fees.
Before credits & paid funds$102,962The complete starting cash picture.
Estimated remaining funds due at closing
$102,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,806.88
Your down payment$92,806.88
Closing costs + prepaids$10,155.11
Total buyer cash needed$102,961.99
Remaining funds due$102,961.99
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%)$2,610.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$840.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$251.25
Initial HOA (3 months)$834.00
Prepaid interest, first (30 days)$400.90
Fees + prepaids$10,155.11
Your down payment is the seller’s equity. You take over the $168,193 balance, so the rest of the $261,000 price is paid at closing. A second mortgage can cover part of it. $102,961.99 is due at closing. Uses and sources reconcile at $271,155.11 each. Not a Closing Disclosure.