Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$158,098Cash toward the purchase price.
Closing costs + prepaids$9,341Not just lender fees.
Before credits & paid funds$167,440The complete starting cash picture.
Estimated remaining funds due at closing
$167,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,098.38
Your down payment$158,098.38
Closing costs + prepaids$9,341.30
Total buyer cash needed$167,439.68
Remaining funds due$167,439.68
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%)$459.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$541.25
Initial HOA (3 months)$440.25
Prepaid interest, first (20 days)$182.29
Fees + prepaids$9,341.30
Your down payment is the seller’s equity. You take over the $91,902 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $167,439.68 is due at closing. Uses and sources reconcile at $259,341.30 each. Not a Closing Disclosure.