Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$75,919Cash toward the purchase price.
Closing costs + prepaids$9,053Not just lender fees.
Before credits & paid funds$84,972The complete starting cash picture.
Estimated remaining funds due at closing
$84,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,919.41
Your down payment$75,919.41
Closing costs + prepaids$9,052.66
Total buyer cash needed$84,972.07
Remaining funds due$84,972.07
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%)$870.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.00
Prepaid interest, first (12 days)$164.26
Fees + prepaids$9,052.66
Your down payment is the seller’s equity. You take over the $174,081 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $84,972.07 is due at closing. Uses and sources reconcile at $259,052.66 each. Not a Closing Disclosure.