Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$81,430Cash toward the purchase price.
Closing costs + prepaids$8,306Not just lender fees.
Before credits & paid funds$89,736The complete starting cash picture.
Estimated remaining funds due at closing
$89,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,429.58
Your down payment$81,429.58
Closing costs + prepaids$8,306.14
Total buyer cash needed$89,735.72
Remaining funds due$89,735.72
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%)$2,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$642.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$299.50
Prepaid interest, first (2 days)$45.79
Fees + prepaids$8,306.14
Your down payment is the seller’s equity. You take over the $128,570 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $89,735.72 is due at closing. Uses and sources reconcile at $218,306.14 each. Not a Closing Disclosure.