Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$208,747Cash toward the purchase price.
Closing costs + prepaids$8,469Not just lender fees.
Before credits & paid funds$217,216The complete starting cash picture.
Estimated remaining funds due at closing
$217,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,747.44
Your down payment$208,747.44
Closing costs + prepaids$8,468.76
Total buyer cash needed$217,216.19
Remaining funds due$217,216.19
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%)$2,615.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$263.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$313.75
Prepaid interest, first (10 days)$58.24
Fees + prepaids$8,468.76
Your down payment is the seller’s equity. You take over the $52,753 balance, so the rest of the $261,500 price is paid at closing. A second mortgage can cover part of it. $217,216.19 is due at closing. Uses and sources reconcile at $269,968.76 each. Not a Closing Disclosure.