Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$80,484Cash toward the purchase price.
Closing costs + prepaids$9,609Not just lender fees.
Before credits & paid funds$90,094The complete starting cash picture.
Estimated remaining funds due at closing
$90,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,484.44
Your down payment$80,484.44
Closing costs + prepaids$9,609.16
Total buyer cash needed$90,093.60
Remaining funds due$90,093.60
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$922.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$779.25
Prepaid interest, first (2 days)$39.33
Fees + prepaids$9,609.16
Your down payment is the seller’s equity. You take over the $184,516 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $90,093.60 is due at closing. Uses and sources reconcile at $274,609.16 each. Not a Closing Disclosure.