Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$96,328Cash toward the purchase price.
Closing costs + prepaids$9,247Not just lender fees.
Before credits & paid funds$105,575The complete starting cash picture.
Estimated remaining funds due at closing
$105,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,328.41
Your down payment$96,328.41
Closing costs + prepaids$9,246.86
Total buyer cash needed$105,575.26
Remaining funds due$105,575.26
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%)$2,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$842.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$331.25
Prepaid interest, first (15 days)$205.75
Fees + prepaids$9,246.86
Your down payment is the seller’s equity. You take over the $168,572 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $105,575.26 is due at closing. Uses and sources reconcile at $274,146.86 each. Not a Closing Disclosure.