Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$67,505Cash toward the purchase price.
Closing costs + prepaids$9,407Not just lender fees.
Before credits & paid funds$76,912The complete starting cash picture.
Estimated remaining funds due at closing
$76,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,504.72
Your down payment$67,504.72
Closing costs + prepaids$9,407.07
Total buyer cash needed$76,911.79
Remaining funds due$76,911.79
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%)$2,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,082.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$191.25
Initial HOA (3 months)$39.99
Prepaid interest, first (2 days)$35.35
Fees + prepaids$9,407.07
Your down payment is the seller’s equity. You take over the $216,495 balance, so the rest of the $284,000 price is paid at closing. A second mortgage can cover part of it. $76,911.79 is due at closing. Uses and sources reconcile at $293,407.07 each. Not a Closing Disclosure.