Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$74,079Cash toward the purchase price.
Closing costs + prepaids$10,813Not just lender fees.
Before credits & paid funds$84,892The complete starting cash picture.
Estimated remaining funds due at closing
$84,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,078.85
Your down payment$74,078.85
Closing costs + prepaids$10,813.50
Total buyer cash needed$84,892.35
Remaining funds due$84,892.35
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,054.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$903.75
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$487.14
Fees + prepaids$10,813.50
Your down payment is the seller’s equity. You take over the $210,921 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $84,892.35 is due at closing. Uses and sources reconcile at $295,813.50 each. Not a Closing Disclosure.