Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$78,898Cash toward the purchase price.
Closing costs + prepaids$10,834Not just lender fees.
Before credits & paid funds$89,732The complete starting cash picture.
Estimated remaining funds due at closing
$89,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,897.74
Your down payment$78,897.74
Closing costs + prepaids$10,834.49
Total buyer cash needed$89,732.23
Remaining funds due$89,732.23
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%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,055.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$319.25
Initial HOA (3 months)$840.00
Prepaid interest, first (25 days)$501.73
Fees + prepaids$10,834.49
Your down payment is the seller’s equity. You take over the $211,102 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $89,732.23 is due at closing. Uses and sources reconcile at $300,834.49 each. Not a Closing Disclosure.