Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$68,980Cash toward the purchase price.
Closing costs + prepaids$11,108Not just lender fees.
Before credits & paid funds$80,088The complete starting cash picture.
Estimated remaining funds due at closing
$80,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,979.89
Your down payment$68,979.89
Closing costs + prepaids$11,107.70
Total buyer cash needed$80,087.59
Remaining funds due$80,087.59
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%)$2,897.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,103.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$907.00
Initial HOA (3 months)$456.00
Prepaid interest, first (29 days)$526.10
Fees + prepaids$11,107.70
Your down payment is the seller’s equity. You take over the $220,720 balance, so the rest of the $289,700 price is paid at closing. A second mortgage can cover part of it. $80,087.59 is due at closing. Uses and sources reconcile at $300,807.70 each. Not a Closing Disclosure.