Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,541Cash toward the purchase price.
Closing costs + prepaids$9,159Not just lender fees.
Before credits & paid funds$76,700The complete starting cash picture.
Estimated remaining funds due at closing
$76,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,541.19
Your down payment$67,541.19
Closing costs + prepaids$9,158.81
Total buyer cash needed$76,700.00
Remaining funds due$76,700.00
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%)$912.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$161.25
Prepaid interest, first (31 days)$367.27
Fees + prepaids$9,158.81
Your down payment is the seller’s equity. You take over the $182,459 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $76,700.00 is due at closing. Uses and sources reconcile at $259,158.81 each. Not a Closing Disclosure.