Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$111,424Cash toward the purchase price.
Closing costs + prepaids$10,300Not just lender fees.
Before credits & paid funds$121,724The complete starting cash picture.
Estimated remaining funds due at closing
$121,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,424.45
Your down payment$111,424.45
Closing costs + prepaids$10,299.56
Total buyer cash needed$121,724.02
Remaining funds due$121,724.02
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%)$2,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$692.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,516.00
Prepaid interest, first (23 days)$372.84
Fees + prepaids$10,299.56
Your down payment is the seller’s equity. You take over the $138,566 balance, so the rest of the $249,990 price is paid at closing. A second mortgage can cover part of it. $121,724.02 is due at closing. Uses and sources reconcile at $260,289.56 each. Not a Closing Disclosure.