Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$84,311Cash toward the purchase price.
Closing costs + prepaids$8,833Not just lender fees.
Before credits & paid funds$93,145The complete starting cash picture.
Estimated remaining funds due at closing
$93,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,311.40
Your down payment$84,311.40
Closing costs + prepaids$8,833.38
Total buyer cash needed$93,144.77
Remaining funds due$93,144.77
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%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$728.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$575.00
Prepaid interest, first (1 days)$11.93
Fees + prepaids$8,833.38
Your down payment is the seller’s equity. You take over the $145,689 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $93,144.77 is due at closing. Uses and sources reconcile at $238,833.38 each. Not a Closing Disclosure.