Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$85,239Cash toward the purchase price.
Closing costs + prepaids$11,484Not just lender fees.
Before credits & paid funds$96,723The complete starting cash picture.
Estimated remaining funds due at closing
$96,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,239.04
Your down payment$85,239.04
Closing costs + prepaids$11,483.60
Total buyer cash needed$96,722.63
Remaining funds due$96,722.63
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%)$3,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,198.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$263.00
Initial HOA (3 months)$870.00
Prepaid interest, first (30 days)$683.81
Fees + prepaids$11,483.60
Your down payment is the seller’s equity. You take over the $239,760 balance, so the rest of the $324,999 price is paid at closing. A second mortgage can cover part of it. $96,722.63 is due at closing. Uses and sources reconcile at $336,482.60 each. Not a Closing Disclosure.