Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$99,522Cash toward the purchase price.
Closing costs + prepaids$9,265Not just lender fees.
Before credits & paid funds$108,787The complete starting cash picture.
Estimated remaining funds due at closing
$108,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,522.05
Your down payment$99,522.05
Closing costs + prepaids$9,264.86
Total buyer cash needed$108,786.91
Remaining funds due$108,786.91
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%)$751.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$506.75
Prepaid interest, first (26 days)$289.22
Fees + prepaids$9,264.86
Your down payment is the seller’s equity. You take over the $150,378 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $108,786.91 is due at closing. Uses and sources reconcile at $259,164.86 each. Not a Closing Disclosure.