Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$93,318Cash toward the purchase price.
Closing costs + prepaids$9,635Not just lender fees.
Before credits & paid funds$102,952The complete starting cash picture.
Estimated remaining funds due at closing
$102,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,317.57
Your down payment$93,317.57
Closing costs + prepaids$9,634.70
Total buyer cash needed$102,952.26
Remaining funds due$102,952.26
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%)$2,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$782.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$12.50
Initial HOA (3 months)$1,095.00
Prepaid interest, first (2 days)$27.28
Fees + prepaids$9,634.70
Your down payment is the seller’s equity. You take over the $156,582 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $102,952.26 is due at closing. Uses and sources reconcile at $259,534.70 each. Not a Closing Disclosure.