Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$74,893Cash toward the purchase price.
Closing costs + prepaids$9,840Not just lender fees.
Before credits & paid funds$84,733The complete starting cash picture.
Estimated remaining funds due at closing
$84,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,893.33
Your down payment$74,893.33
Closing costs + prepaids$9,839.79
Total buyer cash needed$84,733.11
Remaining funds due$84,733.11
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$950.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$662.50
Prepaid interest, first (24 days)$358.75
Fees + prepaids$9,839.79
Your down payment is the seller’s equity. You take over the $190,107 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $84,733.11 is due at closing. Uses and sources reconcile at $274,839.79 each. Not a Closing Disclosure.