Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$167,532Cash toward the purchase price.
Closing costs + prepaids$8,956Not just lender fees.
Before credits & paid funds$176,488The complete starting cash picture.
Estimated remaining funds due at closing
$176,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,532.15
Your down payment$167,532.15
Closing costs + prepaids$8,955.53
Total buyer cash needed$176,487.68
Remaining funds due$176,487.68
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%)$411.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$592.00
Prepaid interest, first (25 days)$234.69
Fees + prepaids$8,955.53
Your down payment is the seller’s equity. You take over the $82,368 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $176,487.68 is due at closing. Uses and sources reconcile at $258,855.53 each. Not a Closing Disclosure.