Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$119,247Cash toward the purchase price.
Closing costs + prepaids$9,601Not just lender fees.
Before credits & paid funds$128,848The complete starting cash picture.
Estimated remaining funds due at closing
$128,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,246.84
Your down payment$119,246.84
Closing costs + prepaids$9,601.37
Total buyer cash needed$128,848.21
Remaining funds due$128,848.21
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%)$2,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$648.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$470.75
Initial HOA (3 months)$533.01
Prepaid interest, first (25 days)$240.84
Fees + prepaids$9,601.37
Your down payment is the seller’s equity. You take over the $129,753 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $128,848.21 is due at closing. Uses and sources reconcile at $258,601.37 each. Not a Closing Disclosure.