Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$122,864Cash toward the purchase price.
Closing costs + prepaids$9,604Not just lender fees.
Before credits & paid funds$132,468The complete starting cash picture.
Estimated remaining funds due at closing
$132,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,864.00
Your down payment$122,864.00
Closing costs + prepaids$9,604.16
Total buyer cash needed$132,468.15
Remaining funds due$132,468.15
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%)$635.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$625.00
Initial HOA (3 months)$258.00
Prepaid interest, first (25 days)$367.48
Fees + prepaids$9,604.16
Your down payment is the seller’s equity. You take over the $127,136 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $132,468.15 is due at closing. Uses and sources reconcile at $259,604.16 each. Not a Closing Disclosure.