Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$82,095Cash toward the purchase price.
Closing costs + prepaids$9,786Not just lender fees.
Before credits & paid funds$91,881The complete starting cash picture.
Estimated remaining funds due at closing
$91,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,095.30
Your down payment$82,095.30
Closing costs + prepaids$9,785.76
Total buyer cash needed$91,881.06
Remaining funds due$91,881.06
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%)$2,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,064.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$8.50
Prepaid interest, first (27 days)$546.24
Fees + prepaids$9,785.76
Your down payment is the seller’s equity. You take over the $212,805 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $91,881.06 is due at closing. Uses and sources reconcile at $304,685.76 each. Not a Closing Disclosure.