Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$179,556Cash toward the purchase price.
Closing costs + prepaids$8,528Not just lender fees.
Before credits & paid funds$188,084The complete starting cash picture.
Estimated remaining funds due at closing
$188,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,555.90
Your down payment$179,555.90
Closing costs + prepaids$8,528.11
Total buyer cash needed$188,084.02
Remaining funds due$188,084.02
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%)$351.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$160.75
Prepaid interest, first (26 days)$298.64
Fees + prepaids$8,528.11
Your down payment is the seller’s equity. You take over the $70,344 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $188,084.02 is due at closing. Uses and sources reconcile at $258,428.11 each. Not a Closing Disclosure.