Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$77,803Cash toward the purchase price.
Closing costs + prepaids$10,517Not just lender fees.
Before credits & paid funds$88,321The complete starting cash picture.
Estimated remaining funds due at closing
$88,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,803.27
Your down payment$77,803.27
Closing costs + prepaids$10,517.41
Total buyer cash needed$88,320.68
Remaining funds due$88,320.68
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%)$2,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$905.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,306.75
Prepaid interest, first (29 days)$496.68
Fees + prepaids$10,517.41
Your down payment is the seller’s equity. You take over the $181,197 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $88,320.68 is due at closing. Uses and sources reconcile at $269,517.41 each. Not a Closing Disclosure.