Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$129,284Cash toward the purchase price.
Closing costs + prepaids$8,939Not just lender fees.
Before credits & paid funds$138,224The complete starting cash picture.
Estimated remaining funds due at closing
$138,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,284.27
Your down payment$129,284.27
Closing costs + prepaids$8,939.36
Total buyer cash needed$138,223.63
Remaining funds due$138,223.63
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%)$653.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$312.00
Prepaid interest, first (10 days)$155.78
Fees + prepaids$8,939.36
Your down payment is the seller’s equity. You take over the $130,716 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $138,223.63 is due at closing. Uses and sources reconcile at $268,939.36 each. Not a Closing Disclosure.