Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$99,034Cash toward the purchase price.
Closing costs + prepaids$9,125Not just lender fees.
Before credits & paid funds$108,159The complete starting cash picture.
Estimated remaining funds due at closing
$108,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,033.97
Your down payment$99,033.97
Closing costs + prepaids$9,125.29
Total buyer cash needed$108,159.26
Remaining funds due$108,159.26
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%)$749.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$396.25
Prepaid interest, first (23 days)$271.21
Fees + prepaids$9,125.29
Your down payment is the seller’s equity. You take over the $149,966 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $108,159.26 is due at closing. Uses and sources reconcile at $258,125.29 each. Not a Closing Disclosure.