Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$125,236Cash toward the purchase price.
Closing costs + prepaids$9,209Not just lender fees.
Before credits & paid funds$134,445The complete starting cash picture.
Estimated remaining funds due at closing
$134,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,236.37
Your down payment$125,236.37
Closing costs + prepaids$9,208.84
Total buyer cash needed$134,445.21
Remaining funds due$134,445.21
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%)$2,485.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$616.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$621.25
Prepaid interest, first (24 days)$268.28
Fees + prepaids$9,208.84
Your down payment is the seller’s equity. You take over the $123,264 balance, so the rest of the $248,500 price is paid at closing. A second mortgage can cover part of it. $134,445.21 is due at closing. Uses and sources reconcile at $257,708.84 each. Not a Closing Disclosure.