Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,900Cash toward the purchase price.
Closing costs + prepaids$11,591Not just lender fees.
Before credits & paid funds$87,491The complete starting cash picture.
Estimated remaining funds due at closing
$87,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,900.06
Your down payment$75,900.06
Closing costs + prepaids$11,590.76
Total buyer cash needed$87,490.82
Remaining funds due$87,490.82
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%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$795.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,367.25
Initial HOA (3 months)$1,347.00
Prepaid interest, first (31 days)$514.51
Fees + prepaids$11,590.76
Your down payment is the seller’s equity. You take over the $159,000 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $87,490.82 is due at closing. Uses and sources reconcile at $246,490.76 each. Not a Closing Disclosure.