Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$93,794Cash toward the purchase price.
Closing costs + prepaids$9,833Not just lender fees.
Before credits & paid funds$103,626The complete starting cash picture.
Estimated remaining funds due at closing
$103,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,793.79
Your down payment$93,793.79
Closing costs + prepaids$9,832.52
Total buyer cash needed$103,626.31
Remaining funds due$103,626.31
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%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$781.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$948.75
Prepaid interest, first (29 days)$384.74
Fees + prepaids$9,832.52
Your down payment is the seller’s equity. You take over the $156,206 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $103,626.31 is due at closing. Uses and sources reconcile at $259,832.52 each. Not a Closing Disclosure.