Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$113,111Cash toward the purchase price.
Closing costs + prepaids$9,242Not just lender fees.
Before credits & paid funds$122,353The complete starting cash picture.
Estimated remaining funds due at closing
$122,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,111.08
Your down payment$113,111.08
Closing costs + prepaids$9,241.86
Total buyer cash needed$122,352.95
Remaining funds due$122,352.95
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%)$2,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$683.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$552.50
Prepaid interest, first (26 days)$288.42
Fees + prepaids$9,241.86
Your down payment is the seller’s equity. You take over the $136,789 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $122,352.95 is due at closing. Uses and sources reconcile at $259,141.86 each. Not a Closing Disclosure.