Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$91,752Cash toward the purchase price.
Closing costs + prepaids$9,002Not just lender fees.
Before credits & paid funds$100,753The complete starting cash picture.
Estimated remaining funds due at closing
$100,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,751.94
Your down payment$91,751.94
Closing costs + prepaids$9,001.52
Total buyer cash needed$100,753.45
Remaining funds due$100,753.45
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%)$2,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$826.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$308.50
Prepaid interest, first (6 days)$78.78
Fees + prepaids$9,001.52
Your down payment is the seller’s equity. You take over the $165,248 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $100,753.45 is due at closing. Uses and sources reconcile at $266,001.52 each. Not a Closing Disclosure.