Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$208,747Cash toward the purchase price.
Closing costs + prepaids$8,302Not just lender fees.
Before credits & paid funds$217,049The complete starting cash picture.
Estimated remaining funds due at closing
$217,049No 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$8,301.50
Total buyer cash needed$217,048.94
Remaining funds due$217,048.94
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)$88.25
Prepaid interest, first (20 days)$116.49
Fees + prepaids$8,301.50
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. $217,048.94 is due at closing. Uses and sources reconcile at $269,801.50 each. Not a Closing Disclosure.