Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$82,513Cash toward the purchase price.
Closing costs + prepaids$9,653Not just lender fees.
Before credits & paid funds$92,166The complete starting cash picture.
Estimated remaining funds due at closing
$92,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,513.09
Your down payment$82,513.09
Closing costs + prepaids$9,652.92
Total buyer cash needed$92,166.01
Remaining funds due$92,166.01
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$986.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$14.50
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$484.49
Fees + prepaids$9,652.92
Your down payment is the seller’s equity. You take over the $197,387 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $92,166.01 is due at closing. Uses and sources reconcile at $289,552.92 each. Not a Closing Disclosure.