Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$202,915Cash toward the purchase price.
Closing costs + prepaids$9,181Not just lender fees.
Before credits & paid funds$212,095The complete starting cash picture.
Estimated remaining funds due at closing
$212,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,914.80
Your down payment$202,914.80
Closing costs + prepaids$9,180.54
Total buyer cash needed$212,095.34
Remaining funds due$212,095.34
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%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$284.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$910.00
Prepaid interest, first (30 days)$168.61
Fees + prepaids$9,180.54
Your down payment is the seller’s equity. You take over the $56,985 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $212,095.34 is due at closing. Uses and sources reconcile at $269,080.54 each. Not a Closing Disclosure.