Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$165,852Cash toward the purchase price.
Closing costs + prepaids$10,613Not just lender fees.
Before credits & paid funds$176,465The complete starting cash picture.
Estimated remaining funds due at closing
$176,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,852.17
Your down payment$165,852.17
Closing costs + prepaids$10,613.11
Total buyer cash needed$176,465.28
Remaining funds due$176,465.28
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%)$420.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,063.00
Initial HOA (3 months)$1,398.00
Prepaid interest, first (1 days)$13.37
Fees + prepaids$10,613.11
Your down payment is the seller’s equity. You take over the $84,148 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $176,465.28 is due at closing. Uses and sources reconcile at $260,613.11 each. Not a Closing Disclosure.