Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$62,487Cash toward the purchase price.
Closing costs + prepaids$9,447Not just lender fees.
Before credits & paid funds$71,934The complete starting cash picture.
Estimated remaining funds due at closing
$71,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,487.36
Your down payment$62,487.36
Closing costs + prepaids$9,446.73
Total buyer cash needed$71,934.09
Remaining funds due$71,934.09
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%)$937.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$322.75
Prepaid interest, first (22 days)$469.92
Fees + prepaids$9,446.73
Your down payment is the seller’s equity. You take over the $187,413 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $71,934.09 is due at closing. Uses and sources reconcile at $259,346.73 each. Not a Closing Disclosure.