Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$243,452Cash toward the purchase price.
Closing costs + prepaids$8,012Not just lender fees.
Before credits & paid funds$251,464The complete starting cash picture.
Estimated remaining funds due at closing
$251,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,452.24
Your down payment$243,452.24
Closing costs + prepaids$8,011.93
Total buyer cash needed$251,464.17
Remaining funds due$251,464.17
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%)$32.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$224.75
Prepaid interest, first (30 days)$37.94
Fees + prepaids$8,011.93
Your down payment is the seller’s equity. You take over the $6,448 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $251,464.17 is due at closing. Uses and sources reconcile at $257,911.93 each. Not a Closing Disclosure.