Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$97,909Cash toward the purchase price.
Closing costs + prepaids$9,588Not just lender fees.
Before credits & paid funds$107,498The complete starting cash picture.
Estimated remaining funds due at closing
$107,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,909.34
Your down payment$97,909.34
Closing costs + prepaids$9,588.22
Total buyer cash needed$107,497.57
Remaining funds due$107,497.57
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%)$760.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$718.50
Prepaid interest, first (30 days)$391.27
Fees + prepaids$9,588.22
Your down payment is the seller’s equity. You take over the $152,091 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $107,497.57 is due at closing. Uses and sources reconcile at $259,588.22 each. Not a Closing Disclosure.