Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$120,867Cash toward the purchase price.
Closing costs + prepaids$9,206Not just lender fees.
Before credits & paid funds$130,072The complete starting cash picture.
Estimated remaining funds due at closing
$130,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,866.67
Your down payment$120,866.67
Closing costs + prepaids$9,205.76
Total buyer cash needed$130,072.43
Remaining funds due$130,072.43
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%)$2,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$643.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$408.50
Prepaid interest, first (28 days)$441.09
Fees + prepaids$9,205.76
Your down payment is the seller’s equity. You take over the $128,633 balance, so the rest of the $249,500 price is paid at closing. A second mortgage can cover part of it. $130,072.43 is due at closing. Uses and sources reconcile at $258,705.76 each. Not a Closing Disclosure.