Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$169,116Cash toward the purchase price.
Closing costs + prepaids$8,864Not just lender fees.
Before credits & paid funds$177,980The complete starting cash picture.
Estimated remaining funds due at closing
$177,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,115.68
Your down payment$169,115.68
Closing costs + prepaids$8,864.20
Total buyer cash needed$177,979.88
Remaining funds due$177,979.88
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%)$403.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$602.25
Prepaid interest, first (27 days)$141.03
Fees + prepaids$8,864.20
Your down payment is the seller’s equity. You take over the $80,784 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $177,979.88 is due at closing. Uses and sources reconcile at $258,764.20 each. Not a Closing Disclosure.