Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$116,432Cash toward the purchase price.
Closing costs + prepaids$9,827Not just lender fees.
Before credits & paid funds$126,259The complete starting cash picture.
Estimated remaining funds due at closing
$126,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,432.16
Your down payment$116,432.16
Closing costs + prepaids$9,826.57
Total buyer cash needed$126,258.72
Remaining funds due$126,258.72
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%)$667.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,147.50
Prepaid interest, first (26 days)$294.73
Fees + prepaids$9,826.57
Your down payment is the seller’s equity. You take over the $133,468 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $126,258.72 is due at closing. Uses and sources reconcile at $259,726.57 each. Not a Closing Disclosure.