Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$99,034Cash toward the purchase price.
Closing costs + prepaids$8,922Not just lender fees.
Before credits & paid funds$107,956The complete starting cash picture.
Estimated remaining funds due at closing
$107,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,033.97
Your down payment$99,033.97
Closing costs + prepaids$8,922.37
Total buyer cash needed$107,956.34
Remaining funds due$107,956.34
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%)$749.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$311.25
Prepaid interest, first (13 days)$153.29
Fees + prepaids$8,922.37
Your down payment is the seller’s equity. You take over the $149,966 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $107,956.34 is due at closing. Uses and sources reconcile at $257,922.37 each. Not a Closing Disclosure.