Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$87,783Cash toward the purchase price.
Closing costs + prepaids$9,466Not just lender fees.
Before credits & paid funds$97,249The complete starting cash picture.
Estimated remaining funds due at closing
$97,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,782.89
Your down payment$87,782.89
Closing costs + prepaids$9,466.00
Total buyer cash needed$97,248.89
Remaining funds due$97,248.89
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%)$2,485.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$803.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$621.25
Prepaid interest, first (24 days)$338.17
Fees + prepaids$9,466.00
Your down payment is the seller’s equity. You take over the $160,717 balance, so the rest of the $248,500 price is paid at closing. A second mortgage can cover part of it. $97,248.89 is due at closing. Uses and sources reconcile at $257,966.00 each. Not a Closing Disclosure.