Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$70,093Cash toward the purchase price.
Closing costs + prepaids$9,197Not just lender fees.
Before credits & paid funds$79,290The complete starting cash picture.
Estimated remaining funds due at closing
$79,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,092.76
Your down payment$70,092.76
Closing costs + prepaids$9,197.10
Total buyer cash needed$79,289.86
Remaining funds due$79,289.86
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$774.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.50
Prepaid interest, first (31 days)$392.06
Fees + prepaids$9,197.10
Your down payment is the seller’s equity. You take over the $154,907 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $79,289.86 is due at closing. Uses and sources reconcile at $234,197.10 each. Not a Closing Disclosure.