Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$69,433Cash toward the purchase price.
Closing costs + prepaids$10,089Not just lender fees.
Before credits & paid funds$79,522The complete starting cash picture.
Estimated remaining funds due at closing
$79,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,432.74
Your down payment$69,432.74
Closing costs + prepaids$10,089.34
Total buyer cash needed$79,522.08
Remaining funds due$79,522.08
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%)$2,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$900.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,446.50
Prepaid interest, first (2 days)$29.50
Fees + prepaids$10,089.34
Your down payment is the seller’s equity. You take over the $180,067 balance, so the rest of the $249,500 price is paid at closing. A second mortgage can cover part of it. $79,522.08 is due at closing. Uses and sources reconcile at $259,589.34 each. Not a Closing Disclosure.