Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$81,556Cash toward the purchase price.
Closing costs + prepaids$9,434Not just lender fees.
Before credits & paid funds$90,990The complete starting cash picture.
Estimated remaining funds due at closing
$90,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,556.31
Your down payment$81,556.31
Closing costs + prepaids$9,433.89
Total buyer cash needed$90,990.20
Remaining funds due$90,990.20
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$867.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$485.00
Prepaid interest, first (23 days)$313.67
Fees + prepaids$9,433.89
Your down payment is the seller’s equity. You take over the $173,444 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $90,990.20 is due at closing. Uses and sources reconcile at $264,433.89 each. Not a Closing Disclosure.