Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$121,572Cash toward the purchase price.
Closing costs + prepaids$10,055Not just lender fees.
Before credits & paid funds$131,627The complete starting cash picture.
Estimated remaining funds due at closing
$131,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,572.32
Your down payment$121,572.32
Closing costs + prepaids$10,054.60
Total buyer cash needed$131,626.92
Remaining funds due$131,626.92
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%)$2,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$641.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$624.75
Initial HOA (3 months)$705.00
Prepaid interest, first (28 days)$366.21
Fees + prepaids$10,054.60
Your down payment is the seller’s equity. You take over the $128,328 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $131,626.92 is due at closing. Uses and sources reconcile at $259,954.60 each. Not a Closing Disclosure.