Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$89,227Cash toward the purchase price.
Closing costs + prepaids$10,713Not just lender fees.
Before credits & paid funds$99,940The complete starting cash picture.
Estimated remaining funds due at closing
$99,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,227.05
Your down payment$89,227.05
Closing costs + prepaids$10,712.92
Total buyer cash needed$99,939.97
Remaining funds due$99,939.97
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,003.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$978.00
Prepaid interest, first (27 days)$614.55
Fees + prepaids$10,712.92
Your down payment is the seller’s equity. You take over the $200,673 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $99,939.97 is due at closing. Uses and sources reconcile at $300,612.92 each. Not a Closing Disclosure.