Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$79,457Cash toward the purchase price.
Closing costs + prepaids$11,867Not just lender fees.
Before credits & paid funds$91,324The complete starting cash picture.
Estimated remaining funds due at closing
$91,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,457.18
Your down payment$79,457.18
Closing costs + prepaids$11,866.95
Total buyer cash needed$91,324.13
Remaining funds due$91,324.13
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%)$3,270.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,237.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$817.50
Initial HOA (3 months)$99.99
Prepaid interest, first (26 days)$1,223.74
Fees + prepaids$11,866.95
Your down payment is the seller’s equity. You take over the $247,543 balance, so the rest of the $327,000 price is paid at closing. A second mortgage can cover part of it. $91,324.13 is due at closing. Uses and sources reconcile at $338,866.95 each. Not a Closing Disclosure.