Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$81,432Cash toward the purchase price.
Closing costs + prepaids$9,300Not just lender fees.
Before credits & paid funds$90,731The complete starting cash picture.
Estimated remaining funds due at closing
$90,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,431.87
Your down payment$81,431.87
Closing costs + prepaids$9,299.58
Total buyer cash needed$90,731.45
Remaining funds due$90,731.45
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%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$767.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$587.25
Prepaid interest, first (31 days)$377.99
Fees + prepaids$9,299.58
Your down payment is the seller’s equity. You take over the $153,468 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $90,731.45 is due at closing. Uses and sources reconcile at $244,199.58 each. Not a Closing Disclosure.