Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$85,035Cash toward the purchase price.
Closing costs + prepaids$10,481Not just lender fees.
Before credits & paid funds$95,515The complete starting cash picture.
Estimated remaining funds due at closing
$95,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,034.61
Your down payment$85,034.61
Closing costs + prepaids$10,480.72
Total buyer cash needed$95,515.32
Remaining funds due$95,515.32
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%)$3,149.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,149.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$928.00
Prepaid interest, first (2 days)$34.90
Fees + prepaids$10,480.72
Your down payment is the seller’s equity. You take over the $229,964 balance, so the rest of the $314,999 price is paid at closing. A second mortgage can cover part of it. $95,515.32 is due at closing. Uses and sources reconcile at $325,479.72 each. Not a Closing Disclosure.