Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$49,490Cash toward the purchase price.
Closing costs + prepaids$11,086Not just lender fees.
Before credits & paid funds$60,575The complete starting cash picture.
Estimated remaining funds due at closing
$60,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,489.86
Your down payment$49,489.86
Closing costs + prepaids$11,085.58
Total buyer cash needed$60,575.44
Remaining funds due$60,575.44
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%)$997.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,769.75
Prepaid interest, first (29 days)$610.28
Fees + prepaids$11,085.58
Your down payment is the seller’s equity. You take over the $199,510 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $60,575.44 is due at closing. Uses and sources reconcile at $260,085.58 each. Not a Closing Disclosure.