Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$158,098Cash toward the purchase price.
Closing costs + prepaids$9,009Not just lender fees.
Before credits & paid funds$167,107The complete starting cash picture.
Estimated remaining funds due at closing
$167,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,098.38
Your down payment$158,098.38
Closing costs + prepaids$9,008.90
Total buyer cash needed$167,107.28
Remaining funds due$167,107.28
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%)$459.51
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)$440.25
Prepaid interest, first (10 days)$91.15
Fees + prepaids$9,008.90
Your down payment is the seller’s equity. You take over the $91,902 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $167,107.28 is due at closing. Uses and sources reconcile at $259,008.90 each. Not a Closing Disclosure.