Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$81,721Cash toward the purchase price.
Closing costs + prepaids$7,649Not just lender fees.
Before credits & paid funds$89,370The complete starting cash picture.
Estimated remaining funds due at closing
$89,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,720.89
Your down payment$81,720.89
Closing costs + prepaids$7,648.98
Total buyer cash needed$89,369.87
Remaining funds due$89,369.87
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%)$1,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$390.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$430.50
Prepaid interest, first (1 days)$10.58
Fees + prepaids$7,648.98
Your down payment is the seller’s equity. You take over the $78,179 balance, so the rest of the $159,900 price is paid at closing. A second mortgage can cover part of it. $89,369.87 is due at closing. Uses and sources reconcile at $167,548.98 each. Not a Closing Disclosure.