Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$81,297Cash toward the purchase price.
Closing costs + prepaids$10,281Not just lender fees.
Before credits & paid funds$91,578The complete starting cash picture.
Estimated remaining funds due at closing
$91,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,297.21
Your down payment$81,297.21
Closing costs + prepaids$10,280.72
Total buyer cash needed$91,577.93
Remaining funds due$91,577.93
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,238.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$64.25
Prepaid interest, first (25 days)$469.96
Fees + prepaids$10,280.72
Your down payment is the seller’s equity. You take over the $247,703 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $91,577.93 is due at closing. Uses and sources reconcile at $339,280.72 each. Not a Closing Disclosure.