Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$169,779Cash toward the purchase price.
Closing costs + prepaids$9,101Not just lender fees.
Before credits & paid funds$178,880The complete starting cash picture.
Estimated remaining funds due at closing
$178,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,779.38
Your down payment$169,779.38
Closing costs + prepaids$9,100.96
Total buyer cash needed$178,880.34
Remaining funds due$178,880.34
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%)$2,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$396.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$622.50
Prepaid interest, first (28 days)$374.36
Fees + prepaids$9,100.96
Your down payment is the seller’s equity. You take over the $79,221 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $178,880.34 is due at closing. Uses and sources reconcile at $258,100.96 each. Not a Closing Disclosure.