Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$163,989Cash toward the purchase price.
Closing costs + prepaids$10,538Not just lender fees.
Before credits & paid funds$174,527The complete starting cash picture.
Estimated remaining funds due at closing
$174,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,988.81
Your down payment$163,988.81
Closing costs + prepaids$10,538.10
Total buyer cash needed$174,526.91
Remaining funds due$174,526.91
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$455.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,950.00
Prepaid interest, first (30 days)$365.04
Fees + prepaids$10,538.10
Your down payment is the seller’s equity. You take over the $91,011 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $174,526.91 is due at closing. Uses and sources reconcile at $265,538.10 each. Not a Closing Disclosure.