Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$99,239Cash toward the purchase price.
Closing costs + prepaids$9,714Not just lender fees.
Before credits & paid funds$108,953The complete starting cash picture.
Estimated remaining funds due at closing
$108,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,239.12
Your down payment$99,239.12
Closing costs + prepaids$9,713.86
Total buyer cash needed$108,952.98
Remaining funds due$108,952.98
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%)$753.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$754.50
Prepaid interest, first (26 days)$487.56
Fees + prepaids$9,713.86
Your down payment is the seller’s equity. You take over the $150,761 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $108,952.98 is due at closing. Uses and sources reconcile at $259,713.86 each. Not a Closing Disclosure.