Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$180,055Cash toward the purchase price.
Closing costs + prepaids$8,708Not just lender fees.
Before credits & paid funds$188,763The complete starting cash picture.
Estimated remaining funds due at closing
$188,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,054.84
Your down payment$180,054.84
Closing costs + prepaids$8,707.91
Total buyer cash needed$188,762.76
Remaining funds due$188,762.76
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%)$349.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$481.25
Prepaid interest, first (13 days)$158.94
Fees + prepaids$8,707.91
Your down payment is the seller’s equity. You take over the $69,945 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $188,762.76 is due at closing. Uses and sources reconcile at $258,707.91 each. Not a Closing Disclosure.