Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$183,251Cash toward the purchase price.
Closing costs + prepaids$8,743Not just lender fees.
Before credits & paid funds$191,994The complete starting cash picture.
Estimated remaining funds due at closing
$191,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,250.91
Your down payment$183,250.91
Closing costs + prepaids$8,742.59
Total buyer cash needed$191,993.50
Remaining funds due$191,993.50
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%)$383.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$283.25
Prepaid interest, first (31 days)$259.09
Fees + prepaids$8,742.59
Your down payment is the seller’s equity. You take over the $76,649 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $191,993.50 is due at closing. Uses and sources reconcile at $268,642.59 each. Not a Closing Disclosure.