Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$120,891Cash toward the purchase price.
Closing costs + prepaids$9,066Not just lender fees.
Before credits & paid funds$129,957The complete starting cash picture.
Estimated remaining funds due at closing
$129,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,891.21
Your down payment$120,891.21
Closing costs + prepaids$9,066.09
Total buyer cash needed$129,957.30
Remaining funds due$129,957.30
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%)$2,629.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$710.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$328.75
Prepaid interest, first (14 days)$180.29
Fees + prepaids$9,066.09
Your down payment is the seller’s equity. You take over the $142,009 balance, so the rest of the $262,900 price is paid at closing. A second mortgage can cover part of it. $129,957.30 is due at closing. Uses and sources reconcile at $271,966.09 each. Not a Closing Disclosure.