Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$100,784Cash toward the purchase price.
Closing costs + prepaids$10,133Not just lender fees.
Before credits & paid funds$110,917The complete starting cash picture.
Estimated remaining funds due at closing
$110,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,783.60
Your down payment$100,783.60
Closing costs + prepaids$10,132.94
Total buyer cash needed$110,916.54
Remaining funds due$110,916.54
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%)$2,499.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$745.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,651.75
Prepaid interest, first (1 days)$17.86
Fees + prepaids$10,132.94
Your down payment is the seller’s equity. You take over the $149,166 balance, so the rest of the $249,950 price is paid at closing. A second mortgage can cover part of it. $110,916.54 is due at closing. Uses and sources reconcile at $260,082.94 each. Not a Closing Disclosure.