Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$170,258Cash toward the purchase price.
Closing costs + prepaids$8,870Not just lender fees.
Before credits & paid funds$179,128The complete starting cash picture.
Estimated remaining funds due at closing
$179,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,258.40
Your down payment$170,258.40
Closing costs + prepaids$8,870.02
Total buyer cash needed$179,128.42
Remaining funds due$179,128.42
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%)$2,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$448.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$354.00
Prepaid interest, first (30 days)$249.31
Fees + prepaids$8,870.02
Your down payment is the seller’s equity. You take over the $89,742 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $179,128.42 is due at closing. Uses and sources reconcile at $268,870.02 each. Not a Closing Disclosure.