Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$84,652Cash toward the purchase price.
Closing costs + prepaids$9,556Not just lender fees.
Before credits & paid funds$94,208The complete starting cash picture.
Estimated remaining funds due at closing
$94,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,651.55
Your down payment$84,651.55
Closing costs + prepaids$9,556.31
Total buyer cash needed$94,207.87
Remaining funds due$94,207.87
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%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$751.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$161.00
Initial HOA (3 months)$735.00
Prepaid interest, first (30 days)$342.07
Fees + prepaids$9,556.31
Your down payment is the seller’s equity. You take over the $150,248 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $94,207.87 is due at closing. Uses and sources reconcile at $244,456.31 each. Not a Closing Disclosure.