Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$130,263Cash toward the purchase price.
Closing costs + prepaids$8,967Not just lender fees.
Before credits & paid funds$139,231The complete starting cash picture.
Estimated remaining funds due at closing
$139,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,263.11
Your down payment$130,263.11
Closing costs + prepaids$8,967.47
Total buyer cash needed$139,230.58
Remaining funds due$139,230.58
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%)$598.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$624.75
Prepaid interest, first (2 days)$27.53
Fees + prepaids$8,967.47
Your down payment is the seller’s equity. You take over the $119,637 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $139,230.58 is due at closing. Uses and sources reconcile at $258,867.47 each. Not a Closing Disclosure.