Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$137,479Cash toward the purchase price.
Closing costs + prepaids$9,830Not just lender fees.
Before credits & paid funds$147,308The complete starting cash picture.
Estimated remaining funds due at closing
$147,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,478.92
Your down payment$137,478.92
Closing costs + prepaids$9,829.58
Total buyer cash needed$147,308.49
Remaining funds due$147,308.49
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%)$562.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,401.00
Prepaid interest, first (30 days)$147.97
Fees + prepaids$9,829.58
Your down payment is the seller’s equity. You take over the $112,521 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $147,308.49 is due at closing. Uses and sources reconcile at $259,829.58 each. Not a Closing Disclosure.