Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$173,365Cash toward the purchase price.
Closing costs + prepaids$8,559Not just lender fees.
Before credits & paid funds$181,924The complete starting cash picture.
Estimated remaining funds due at closing
$181,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,365.39
Your down payment$173,365.39
Closing costs + prepaids$8,558.73
Total buyer cash needed$181,924.13
Remaining funds due$181,924.13
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%)$383.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$186.00
Prepaid interest, first (29 days)$271.56
Fees + prepaids$8,558.73
Your down payment is the seller’s equity. You take over the $76,635 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $181,924.13 is due at closing. Uses and sources reconcile at $258,558.73 each. Not a Closing Disclosure.