Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$81,602Cash toward the purchase price.
Closing costs + prepaids$8,447Not just lender fees.
Before credits & paid funds$90,049The complete starting cash picture.
Estimated remaining funds due at closing
$90,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,602.37
Your down payment$81,602.37
Closing costs + prepaids$8,446.67
Total buyer cash needed$90,049.03
Remaining funds due$90,049.03
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%)$2,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$716.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$252.50
Prepaid interest, first (1 days)$10.68
Fees + prepaids$8,446.67
Your down payment is the seller’s equity. You take over the $143,298 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $90,049.03 is due at closing. Uses and sources reconcile at $233,346.67 each. Not a Closing Disclosure.