Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$69,256Cash toward the purchase price.
Closing costs + prepaids$10,336Not just lender fees.
Before credits & paid funds$79,591The complete starting cash picture.
Estimated remaining funds due at closing
$79,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,255.87
Your down payment$69,255.87
Closing costs + prepaids$10,335.52
Total buyer cash needed$79,591.39
Remaining funds due$79,591.39
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%)$903.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$895.50
Prepaid interest, first (25 days)$818.30
Fees + prepaids$10,335.52
Your down payment is the seller’s equity. You take over the $180,744 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $79,591.39 is due at closing. Uses and sources reconcile at $260,335.52 each. Not a Closing Disclosure.