Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$123,209Cash toward the purchase price.
Closing costs + prepaids$8,930Not just lender fees.
Before credits & paid funds$132,138The complete starting cash picture.
Estimated remaining funds due at closing
$132,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,208.53
Your down payment$123,208.53
Closing costs + prepaids$8,929.67
Total buyer cash needed$132,138.21
Remaining funds due$132,138.21
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%)$683.46
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)$117.22
Fees + prepaids$8,929.67
Your down payment is the seller’s equity. You take over the $136,691 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $132,138.21 is due at closing. Uses and sources reconcile at $268,829.67 each. Not a Closing Disclosure.