Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$179,191Cash toward the purchase price.
Closing costs + prepaids$8,243Not just lender fees.
Before credits & paid funds$187,434The complete starting cash picture.
Estimated remaining funds due at closing
$187,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,190.72
Your down payment$179,190.72
Closing costs + prepaids$8,242.84
Total buyer cash needed$187,433.56
Remaining funds due$187,433.56
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%)$353.55
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 (1 days)$11.55
Fees + prepaids$8,242.84
Your down payment is the seller’s equity. You take over the $70,709 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $187,433.56 is due at closing. Uses and sources reconcile at $258,142.84 each. Not a Closing Disclosure.