Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$82,387Cash toward the purchase price.
Closing costs + prepaids$9,717Not just lender fees.
Before credits & paid funds$92,105The complete starting cash picture.
Estimated remaining funds due at closing
$92,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,387.49
Your down payment$82,387.49
Closing costs + prepaids$9,717.42
Total buyer cash needed$92,104.91
Remaining funds due$92,104.91
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%)$2,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$862.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$695.25
Initial HOA (3 months)$30.00
Prepaid interest, first (28 days)$362.61
Fees + prepaids$9,717.42
Your down payment is the seller’s equity. You take over the $172,513 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $92,104.91 is due at closing. Uses and sources reconcile at $264,617.42 each. Not a Closing Disclosure.