Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$79,185Cash toward the purchase price.
Closing costs + prepaids$10,021Not just lender fees.
Before credits & paid funds$89,205The complete starting cash picture.
Estimated remaining funds due at closing
$89,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,184.70
Your down payment$79,184.70
Closing costs + prepaids$10,020.71
Total buyer cash needed$89,205.41
Remaining funds due$89,205.41
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%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$979.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$282.75
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$490.88
Fees + prepaids$10,020.71
Your down payment is the seller’s equity. You take over the $195,815 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $89,205.41 is due at closing. Uses and sources reconcile at $285,020.71 each. Not a Closing Disclosure.