Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$80,775Cash toward the purchase price.
Closing costs + prepaids$9,958Not just lender fees.
Before credits & paid funds$90,733The complete starting cash picture.
Estimated remaining funds due at closing
$90,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,774.83
Your down payment$80,774.83
Closing costs + prepaids$9,957.94
Total buyer cash needed$90,732.77
Remaining funds due$90,732.77
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%)$2,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$766.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,356.75
Prepaid interest, first (22 days)$277.06
Fees + prepaids$9,957.94
Your down payment is the seller’s equity. You take over the $153,225 balance, so the rest of the $234,000 price is paid at closing. A second mortgage can cover part of it. $90,732.77 is due at closing. Uses and sources reconcile at $243,957.94 each. Not a Closing Disclosure.