Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$187,735Cash toward the purchase price.
Closing costs + prepaids$9,219Not just lender fees.
Before credits & paid funds$196,955The complete starting cash picture.
Estimated remaining funds due at closing
$196,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,735.34
Your down payment$187,735.34
Closing costs + prepaids$9,219.33
Total buyer cash needed$196,954.68
Remaining funds due$196,954.68
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%)$311.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$121.00
Initial HOA (3 months)$1,062.00
Prepaid interest, first (1 days)$7.01
Fees + prepaids$9,219.33
Your down payment is the seller’s equity. You take over the $62,265 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $196,954.68 is due at closing. Uses and sources reconcile at $259,219.33 each. Not a Closing Disclosure.