Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$81,825Cash toward the purchase price.
Closing costs + prepaids$9,919Not just lender fees.
Before credits & paid funds$91,745The complete starting cash picture.
Estimated remaining funds due at closing
$91,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,825.25
Your down payment$81,825.25
Closing costs + prepaids$9,919.35
Total buyer cash needed$91,744.60
Remaining funds due$91,744.60
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%)$2,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$990.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$432.50
Initial HOA (3 months)$18.75
Prepaid interest, first (30 days)$460.73
Fees + prepaids$9,919.35
Your down payment is the seller’s equity. You take over the $198,075 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $91,744.60 is due at closing. Uses and sources reconcile at $289,819.35 each. Not a Closing Disclosure.