Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$171,081Cash toward the purchase price.
Closing costs + prepaids$8,516Not just lender fees.
Before credits & paid funds$179,597The complete starting cash picture.
Estimated remaining funds due at closing
$179,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,081.15
Your down payment$171,081.15
Closing costs + prepaids$8,515.71
Total buyer cash needed$179,596.87
Remaining funds due$179,596.87
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%)$2,419.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$354.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$200.25
Prepaid interest, first (26 days)$324.37
Fees + prepaids$8,515.71
Your down payment is the seller’s equity. You take over the $70,819 balance, so the rest of the $241,900 price is paid at closing. A second mortgage can cover part of it. $179,596.87 is due at closing. Uses and sources reconcile at $250,415.71 each. Not a Closing Disclosure.