Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$46,395Cash toward the purchase price.
Closing costs + prepaids$10,449Not just lender fees.
Before credits & paid funds$56,844The complete starting cash picture.
Estimated remaining funds due at closing
$56,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,394.87
Your down payment$46,394.87
Closing costs + prepaids$10,448.68
Total buyer cash needed$56,843.55
Remaining funds due$56,843.55
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%)$1,017.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$831.00
Prepaid interest, first (24 days)$883.16
Fees + prepaids$10,448.68
Your down payment is the seller’s equity. You take over the $203,505 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $56,843.55 is due at closing. Uses and sources reconcile at $260,348.68 each. Not a Closing Disclosure.