Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$107,207Cash toward the purchase price.
Closing costs + prepaids$10,307Not just lender fees.
Before credits & paid funds$117,514The complete starting cash picture.
Estimated remaining funds due at closing
$117,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,207.02
Your down payment$107,207.02
Closing costs + prepaids$10,307.20
Total buyer cash needed$117,514.22
Remaining funds due$117,514.22
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%)$2,660.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$793.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,612.00
Prepaid interest, first (2 days)$23.23
Fees + prepaids$10,307.20
Your down payment is the seller’s equity. You take over the $158,793 balance, so the rest of the $266,000 price is paid at closing. A second mortgage can cover part of it. $117,514.22 is due at closing. Uses and sources reconcile at $276,307.20 each. Not a Closing Disclosure.