Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$77,940Cash toward the purchase price.
Closing costs + prepaids$12,060Not just lender fees.
Before credits & paid funds$90,000The complete starting cash picture.
Estimated remaining funds due at closing
$90,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,940.11
Your down payment$77,940.11
Closing costs + prepaids$12,059.68
Total buyer cash needed$89,999.79
Remaining funds due$89,999.79
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,359.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,880.50
Prepaid interest, first (2 days)$102.38
Fees + prepaids$12,059.68
Your down payment is the seller’s equity. You take over the $271,960 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $89,999.79 is due at closing. Uses and sources reconcile at $361,959.68 each. Not a Closing Disclosure.