Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$88,553Cash toward the purchase price.
Closing costs + prepaids$10,276Not just lender fees.
Before credits & paid funds$98,829The complete starting cash picture.
Estimated remaining funds due at closing
$98,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,552.82
Your down payment$88,552.82
Closing costs + prepaids$10,275.70
Total buyer cash needed$98,828.53
Remaining funds due$98,828.53
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%)$2,720.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$917.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$956.75
Initial HOA (3 months)$32.49
Prepaid interest, first (30 days)$431.23
Fees + prepaids$10,275.70
Your down payment is the seller’s equity. You take over the $183,447 balance, so the rest of the $272,000 price is paid at closing. A second mortgage can cover part of it. $98,828.53 is due at closing. Uses and sources reconcile at $282,275.70 each. Not a Closing Disclosure.