Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$55,947Cash toward the purchase price.
Closing costs + prepaids$9,971Not just lender fees.
Before credits & paid funds$65,918The complete starting cash picture.
Estimated remaining funds due at closing
$65,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,946.86
Your down payment$55,946.86
Closing costs + prepaids$9,971.17
Total buyer cash needed$65,918.02
Remaining funds due$65,918.02
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%)$969.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$205.00
Initial HOA (3 months)$1,065.00
Prepaid interest, first (1 days)$14.40
Fees + prepaids$9,971.17
Your down payment is the seller’s equity. You take over the $193,953 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $65,918.02 is due at closing. Uses and sources reconcile at $259,871.17 each. Not a Closing Disclosure.