Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$84,476Cash toward the purchase price.
Closing costs + prepaids$8,694Not just lender fees.
Before credits & paid funds$93,170The complete starting cash picture.
Estimated remaining funds due at closing
$93,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,475.74
Your down payment$84,475.74
Closing costs + prepaids$8,694.24
Total buyer cash needed$93,169.98
Remaining funds due$93,169.98
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$702.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.75
Prepaid interest, first (2 days)$22.87
Fees + prepaids$8,694.24
Your down payment is the seller’s equity. You take over the $140,524 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $93,169.98 is due at closing. Uses and sources reconcile at $233,694.24 each. Not a Closing Disclosure.