Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$80,365Cash toward the purchase price.
Closing costs + prepaids$9,271Not just lender fees.
Before credits & paid funds$89,636The complete starting cash picture.
Estimated remaining funds due at closing
$89,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,365.30
Your down payment$80,365.30
Closing costs + prepaids$9,270.71
Total buyer cash needed$89,636.01
Remaining funds due$89,636.01
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%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$772.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$587.25
Prepaid interest, first (28 days)$343.79
Fees + prepaids$9,270.71
Your down payment is the seller’s equity. You take over the $154,535 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $89,636.01 is due at closing. Uses and sources reconcile at $244,170.71 each. Not a Closing Disclosure.