Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$87,596Cash toward the purchase price.
Closing costs + prepaids$10,054Not just lender fees.
Before credits & paid funds$97,650The complete starting cash picture.
Estimated remaining funds due at closing
$97,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,596.35
Your down payment$87,596.35
Closing costs + prepaids$10,054.11
Total buyer cash needed$97,650.47
Remaining funds due$97,650.47
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%)$2,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$862.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$650.00
Prepaid interest, first (30 days)$724.10
Fees + prepaids$10,054.11
Your down payment is the seller’s equity. You take over the $172,404 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $97,650.47 is due at closing. Uses and sources reconcile at $270,054.11 each. Not a Closing Disclosure.