Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$130,594Cash toward the purchase price.
Closing costs + prepaids$9,570Not just lender fees.
Before credits & paid funds$140,164The complete starting cash picture.
Estimated remaining funds due at closing
$140,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,594.20
Your down payment$130,594.20
Closing costs + prepaids$9,570.16
Total buyer cash needed$140,164.37
Remaining funds due$140,164.37
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%)$647.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$676.50
Prepaid interest, first (30 days)$428.63
Fees + prepaids$9,570.16
Your down payment is the seller’s equity. You take over the $129,406 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $140,164.37 is due at closing. Uses and sources reconcile at $269,570.16 each. Not a Closing Disclosure.