Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,845Cash toward the purchase price.
Closing costs + prepaids$9,178Not just lender fees.
Before credits & paid funds$126,023The complete starting cash picture.
Estimated remaining funds due at closing
$126,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,844.93
Your down payment$116,844.93
Closing costs + prepaids$9,178.19
Total buyer cash needed$126,023.12
Remaining funds due$126,023.12
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%)$715.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$176.00
Initial HOA (3 months)$120.00
Prepaid interest, first (31 days)$349.92
Fees + prepaids$9,178.19
Your down payment is the seller’s equity. You take over the $143,055 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $126,023.12 is due at closing. Uses and sources reconcile at $269,078.19 each. Not a Closing Disclosure.