Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$93,644Cash toward the purchase price.
Closing costs + prepaids$9,743Not just lender fees.
Before credits & paid funds$103,387The complete starting cash picture.
Estimated remaining funds due at closing
$103,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,643.72
Your down payment$93,643.72
Closing costs + prepaids$9,742.92
Total buyer cash needed$103,386.65
Remaining funds due$103,386.65
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%)$781.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$625.00
Prepaid interest, first (26 days)$618.14
Fees + prepaids$9,742.92
Your down payment is the seller’s equity. You take over the $156,356 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $103,386.65 is due at closing. Uses and sources reconcile at $259,742.92 each. Not a Closing Disclosure.