Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$79,274Cash toward the purchase price.
Closing costs + prepaids$9,563Not just lender fees.
Before credits & paid funds$88,837The complete starting cash picture.
Estimated remaining funds due at closing
$88,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,273.87
Your down payment$79,273.87
Closing costs + prepaids$9,562.91
Total buyer cash needed$88,836.78
Remaining funds due$88,836.78
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%)$2,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,028.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$425.75
Prepaid interest, first (2 days)$42.03
Fees + prepaids$9,562.91
Your down payment is the seller’s equity. You take over the $205,626 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $88,836.78 is due at closing. Uses and sources reconcile at $294,462.91 each. Not a Closing Disclosure.