Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$62,930Cash toward the purchase price.
Closing costs + prepaids$9,865Not just lender fees.
Before credits & paid funds$72,795The complete starting cash picture.
Estimated remaining funds due at closing
$72,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,929.93
Your down payment$62,929.93
Closing costs + prepaids$9,864.96
Total buyer cash needed$72,794.90
Remaining funds due$72,794.90
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%)$2,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$935.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,093.50
Initial HOA (3 months)$86.49
Prepaid interest, first (2 days)$31.77
Fees + prepaids$9,864.96
Your down payment is the seller’s equity. You take over the $187,060 balance, so the rest of the $249,990 price is paid at closing. A second mortgage can cover part of it. $72,794.90 is due at closing. Uses and sources reconcile at $259,854.96 each. Not a Closing Disclosure.