Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$103,126Cash toward the purchase price.
Closing costs + prepaids$9,836Not just lender fees.
Before credits & paid funds$112,961The complete starting cash picture.
Estimated remaining funds due at closing
$112,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,125.56
Your down payment$103,125.56
Closing costs + prepaids$9,835.70
Total buyer cash needed$112,961.26
Remaining funds due$112,961.26
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%)$2,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$729.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$533.75
Initial HOA (3 months)$375.00
Prepaid interest, first (25 days)$489.58
Fees + prepaids$9,835.70
Your down payment is the seller’s equity. You take over the $145,874 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $112,961.26 is due at closing. Uses and sources reconcile at $258,835.70 each. Not a Closing Disclosure.