Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$187,626Cash toward the purchase price.
Closing costs + prepaids$9,703Not just lender fees.
Before credits & paid funds$197,329The complete starting cash picture.
Estimated remaining funds due at closing
$197,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,625.69
Your down payment$187,625.69
Closing costs + prepaids$9,703.15
Total buyer cash needed$197,328.84
Remaining funds due$197,328.84
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$311.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$530.75
Initial HOA (3 months)$993.00
Prepaid interest, first (25 days)$149.53
Fees + prepaids$9,703.15
Your down payment is the seller’s equity. You take over the $62,374 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $197,328.84 is due at closing. Uses and sources reconcile at $259,703.15 each. Not a Closing Disclosure.