Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$106,582Cash toward the purchase price.
Closing costs + prepaids$8,886Not just lender fees.
Before credits & paid funds$115,468The complete starting cash picture.
Estimated remaining funds due at closing
$115,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,581.99
Your down payment$106,581.99
Closing costs + prepaids$8,885.90
Total buyer cash needed$115,467.89
Remaining funds due$115,467.89
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%)$717.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$247.00
Prepaid interest, first (19 days)$203.81
Fees + prepaids$8,885.90
Your down payment is the seller’s equity. You take over the $143,418 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $115,467.89 is due at closing. Uses and sources reconcile at $258,885.90 each. Not a Closing Disclosure.