Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$165,618Cash toward the purchase price.
Closing costs + prepaids$8,345Not just lender fees.
Before credits & paid funds$173,962The complete starting cash picture.
Estimated remaining funds due at closing
$173,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,617.74
Your down payment$165,617.74
Closing costs + prepaids$8,344.59
Total buyer cash needed$173,962.34
Remaining funds due$173,962.34
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%)$2,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$416.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$211.00
Prepaid interest, first (1 days)$8.68
Fees + prepaids$8,344.59
Your down payment is the seller’s equity. You take over the $83,382 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $173,962.34 is due at closing. Uses and sources reconcile at $257,344.59 each. Not a Closing Disclosure.