Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$209,779Cash toward the purchase price.
Closing costs + prepaids$9,256Not just lender fees.
Before credits & paid funds$219,035The complete starting cash picture.
Estimated remaining funds due at closing
$219,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,779.30
Your down payment$209,779.30
Closing costs + prepaids$9,255.97
Total buyer cash needed$219,035.27
Remaining funds due$219,035.27
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%)$251.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$312.00
Initial HOA (3 months)$825.00
Prepaid interest, first (6 days)$49.86
Fees + prepaids$9,255.97
Your down payment is the seller’s equity. You take over the $50,221 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $219,035.27 is due at closing. Uses and sources reconcile at $269,255.97 each. Not a Closing Disclosure.