Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$69,843Cash toward the purchase price.
Closing costs + prepaids$10,396Not just lender fees.
Before credits & paid funds$80,239The complete starting cash picture.
Estimated remaining funds due at closing
$80,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,842.84
Your down payment$69,842.84
Closing costs + prepaids$10,396.28
Total buyer cash needed$80,239.11
Remaining funds due$80,239.11
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%)$2,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$898.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,446.50
Prepaid interest, first (23 days)$338.49
Fees + prepaids$10,396.28
Your down payment is the seller’s equity. You take over the $179,657 balance, so the rest of the $249,500 price is paid at closing. A second mortgage can cover part of it. $80,239.11 is due at closing. Uses and sources reconcile at $259,896.28 each. Not a Closing Disclosure.