Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$125,311Cash toward the purchase price.
Closing costs + prepaids$9,526Not just lender fees.
Before credits & paid funds$134,837The complete starting cash picture.
Estimated remaining funds due at closing
$134,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,311.06
Your down payment$125,311.06
Closing costs + prepaids$9,526.31
Total buyer cash needed$134,837.37
Remaining funds due$134,837.37
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%)$2,585.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$665.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$323.25
Initial HOA (3 months)$450.00
Prepaid interest, first (17 days)$284.11
Fees + prepaids$9,526.31
Your down payment is the seller’s equity. You take over the $133,189 balance, so the rest of the $258,500 price is paid at closing. A second mortgage can cover part of it. $134,837.37 is due at closing. Uses and sources reconcile at $268,026.31 each. Not a Closing Disclosure.