Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$83,141Cash toward the purchase price.
Closing costs + prepaids$9,405Not just lender fees.
Before credits & paid funds$92,546The complete starting cash picture.
Estimated remaining funds due at closing
$92,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,140.68
Your down payment$83,140.68
Closing costs + prepaids$9,405.05
Total buyer cash needed$92,545.73
Remaining funds due$92,545.73
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%)$2,624.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$896.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$576.25
Initial HOA (3 months)$63.00
Prepaid interest, first (2 days)$27.50
Fees + prepaids$9,405.05
Your down payment is the seller’s equity. You take over the $179,259 balance, so the rest of the $262,400 price is paid at closing. A second mortgage can cover part of it. $92,545.73 is due at closing. Uses and sources reconcile at $271,805.05 each. Not a Closing Disclosure.