Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$67,100Cash toward the purchase price.
Closing costs + prepaids$8,806Not just lender fees.
Before credits & paid funds$75,905The complete starting cash picture.
Estimated remaining funds due at closing
$75,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,099.68
Your down payment$67,099.68
Closing costs + prepaids$8,805.63
Total buyer cash needed$75,905.31
Remaining funds due$75,905.31
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%)$914.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$161.25
Prepaid interest, first (1 days)$11.88
Fees + prepaids$8,805.63
Your down payment is the seller’s equity. You take over the $182,900 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $75,905.31 is due at closing. Uses and sources reconcile at $258,805.63 each. Not a Closing Disclosure.