Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$77,683Cash toward the purchase price.
Closing costs + prepaids$9,435Not just lender fees.
Before credits & paid funds$87,118The complete starting cash picture.
Estimated remaining funds due at closing
$87,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,683.13
Your down payment$77,683.13
Closing costs + prepaids$9,435.32
Total buyer cash needed$87,118.46
Remaining funds due$87,118.46
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%)$2,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$836.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$567.75
Prepaid interest, first (26 days)$364.49
Fees + prepaids$9,435.32
Your down payment is the seller’s equity. You take over the $167,217 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $87,118.46 is due at closing. Uses and sources reconcile at $254,335.32 each. Not a Closing Disclosure.