Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$56,415Cash toward the purchase price.
Closing costs + prepaids$10,179Not just lender fees.
Before credits & paid funds$66,593The complete starting cash picture.
Estimated remaining funds due at closing
$66,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,414.51
Your down payment$56,414.51
Closing costs + prepaids$10,178.72
Total buyer cash needed$66,593.22
Remaining funds due$66,593.22
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%)$967.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.00
Initial HOA (3 months)$1,065.00
Prepaid interest, first (9 days)$129.29
Fees + prepaids$10,178.72
Your down payment is the seller’s equity. You take over the $193,485 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $66,593.22 is due at closing. Uses and sources reconcile at $260,078.72 each. Not a Closing Disclosure.