Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$221,586Cash toward the purchase price.
Closing costs + prepaids$7,945Not just lender fees.
Before credits & paid funds$229,532The complete starting cash picture.
Estimated remaining funds due at closing
$229,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,586.45
Your down payment$221,586.45
Closing costs + prepaids$7,945.33
Total buyer cash needed$229,531.78
Remaining funds due$229,531.78
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%)$2,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$137.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (25 days)$100.27
Fees + prepaids$7,945.33
Your down payment is the seller’s equity. You take over the $27,414 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $229,531.78 is due at closing. Uses and sources reconcile at $256,945.33 each. Not a Closing Disclosure.