Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$170,660Cash toward the purchase price.
Closing costs + prepaids$8,598Not just lender fees.
Before credits & paid funds$179,258The complete starting cash picture.
Estimated remaining funds due at closing
$179,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,659.93
Your down payment$170,659.93
Closing costs + prepaids$8,597.72
Total buyer cash needed$179,257.65
Remaining funds due$179,257.65
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%)$2,595.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$444.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$319.00
Prepaid interest, first (2 days)$21.52
Fees + prepaids$8,597.72
Your down payment is the seller’s equity. You take over the $88,840 balance, so the rest of the $259,500 price is paid at closing. A second mortgage can cover part of it. $179,257.65 is due at closing. Uses and sources reconcile at $268,097.72 each. Not a Closing Disclosure.