Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$71,329Cash toward the purchase price.
Closing costs + prepaids$10,412Not just lender fees.
Before credits & paid funds$81,740The complete starting cash picture.
Estimated remaining funds due at closing
$81,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,328.61
Your down payment$71,328.61
Closing costs + prepaids$10,411.59
Total buyer cash needed$81,740.20
Remaining funds due$81,740.20
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%)$893.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$637.50
Initial HOA (3 months)$1,092.00
Prepaid interest, first (5 days)$70.73
Fees + prepaids$10,411.59
Your down payment is the seller’s equity. You take over the $178,671 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $81,740.20 is due at closing. Uses and sources reconcile at $260,411.59 each. Not a Closing Disclosure.