Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$208,073Cash toward the purchase price.
Closing costs + prepaids$8,248Not just lender fees.
Before credits & paid funds$216,321The complete starting cash picture.
Estimated remaining funds due at closing
$216,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,072.76
Your down payment$208,072.76
Closing costs + prepaids$8,247.99
Total buyer cash needed$216,320.75
Remaining funds due$216,320.75
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$209.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$192.75
Prepaid interest, first (23 days)$127.61
Fees + prepaids$8,247.99
Your down payment is the seller’s equity. You take over the $41,927 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $216,320.75 is due at closing. Uses and sources reconcile at $258,247.99 each. Not a Closing Disclosure.