Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$113,494Cash toward the purchase price.
Closing costs + prepaids$8,763Not just lender fees.
Before credits & paid funds$122,257The complete starting cash picture.
Estimated remaining funds due at closing
$122,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,493.82
Your down payment$113,493.82
Closing costs + prepaids$8,763.18
Total buyer cash needed$122,257.00
Remaining funds due$122,257.00
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%)$2,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$672.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$71.75
Prepaid interest, first (28 days)$320.90
Fees + prepaids$8,763.18
Your down payment is the seller’s equity. You take over the $134,506 balance, so the rest of the $248,000 price is paid at closing. A second mortgage can cover part of it. $122,257.00 is due at closing. Uses and sources reconcile at $256,763.18 each. Not a Closing Disclosure.