Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$62,957Cash toward the purchase price.
Closing costs + prepaids$9,697Not just lender fees.
Before credits & paid funds$72,655The complete starting cash picture.
Estimated remaining funds due at closing
$72,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,957.30
Your down payment$62,957.30
Closing costs + prepaids$9,697.34
Total buyer cash needed$72,654.64
Remaining funds due$72,654.64
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%)$2,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$932.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$623.75
Prepaid interest, first (26 days)$427.87
Fees + prepaids$9,697.34
Your down payment is the seller’s equity. You take over the $186,543 balance, so the rest of the $249,500 price is paid at closing. A second mortgage can cover part of it. $72,654.64 is due at closing. Uses and sources reconcile at $259,197.34 each. Not a Closing Disclosure.