Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$82,738Cash toward the purchase price.
Closing costs + prepaids$9,227Not just lender fees.
Before credits & paid funds$91,965The complete starting cash picture.
Estimated remaining funds due at closing
$91,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,738.27
Your down payment$82,738.27
Closing costs + prepaids$9,227.11
Total buyer cash needed$91,965.38
Remaining funds due$91,965.38
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%)$2,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$835.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$624.75
Prepaid interest, first (2 days)$49.55
Fees + prepaids$9,227.11
Your down payment is the seller’s equity. You take over the $167,162 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $91,965.38 is due at closing. Uses and sources reconcile at $259,127.11 each. Not a Closing Disclosure.