Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$109,738Cash toward the purchase price.
Closing costs + prepaids$9,321Not just lender fees.
Before credits & paid funds$119,059The complete starting cash picture.
Estimated remaining funds due at closing
$119,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,737.56
Your down payment$109,737.56
Closing costs + prepaids$9,321.42
Total buyer cash needed$119,058.98
Remaining funds due$119,058.98
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$776.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$318.00
Initial HOA (3 months)$183.00
Prepaid interest, first (10 days)$176.11
Fees + prepaids$9,321.42
Your down payment is the seller’s equity. You take over the $155,262 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $119,058.98 is due at closing. Uses and sources reconcile at $274,321.42 each. Not a Closing Disclosure.