Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$130,569Cash toward the purchase price.
Closing costs + prepaids$9,254Not just lender fees.
Before credits & paid funds$139,823The complete starting cash picture.
Estimated remaining funds due at closing
$139,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,568.70
Your down payment$130,568.70
Closing costs + prepaids$9,254.23
Total buyer cash needed$139,822.93
Remaining funds due$139,822.93
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%)$596.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$624.75
Prepaid interest, first (23 days)$315.82
Fees + prepaids$9,254.23
Your down payment is the seller’s equity. You take over the $119,331 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $139,822.93 is due at closing. Uses and sources reconcile at $259,154.23 each. Not a Closing Disclosure.