Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$128,724Cash toward the purchase price.
Closing costs + prepaids$8,858Not just lender fees.
Before credits & paid funds$137,582The complete starting cash picture.
Estimated remaining funds due at closing
$137,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,724.35
Your down payment$128,724.35
Closing costs + prepaids$8,857.77
Total buyer cash needed$137,582.13
Remaining funds due$137,582.13
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%)$656.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$367.75
Prepaid interest, first (1 days)$15.65
Fees + prepaids$8,857.77
Your down payment is the seller’s equity. You take over the $131,276 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $137,582.13 is due at closing. Uses and sources reconcile at $268,857.77 each. Not a Closing Disclosure.