Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$73,550Cash toward the purchase price.
Closing costs + prepaids$9,338Not just lender fees.
Before credits & paid funds$82,887The complete starting cash picture.
Estimated remaining funds due at closing
$82,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,549.83
Your down payment$73,549.83
Closing costs + prepaids$9,337.62
Total buyer cash needed$82,887.45
Remaining funds due$82,887.45
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$831.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$851.50
Prepaid interest, first (2 days)$37.37
Fees + prepaids$9,337.62
Your down payment is the seller’s equity. You take over the $166,350 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $82,887.45 is due at closing. Uses and sources reconcile at $249,237.62 each. Not a Closing Disclosure.