Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$90,472Cash toward the purchase price.
Closing costs + prepaids$11,727Not just lender fees.
Before credits & paid funds$102,199The complete starting cash picture.
Estimated remaining funds due at closing
$102,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,471.95
Your down payment$90,471.95
Closing costs + prepaids$11,727.00
Total buyer cash needed$102,198.95
Remaining funds due$102,198.95
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%)$2,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$922.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,071.50
Prepaid interest, first (29 days)$766.36
Fees + prepaids$11,727.00
Your down payment is the seller’s equity. You take over the $184,428 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $102,198.95 is due at closing. Uses and sources reconcile at $286,627.00 each. Not a Closing Disclosure.