Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$80,881Cash toward the purchase price.
Closing costs + prepaids$10,457Not just lender fees.
Before credits & paid funds$91,338The complete starting cash picture.
Estimated remaining funds due at closing
$91,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,881.37
Your down payment$80,881.37
Closing costs + prepaids$10,457.09
Total buyer cash needed$91,338.46
Remaining funds due$91,338.46
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%)$2,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$920.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,216.25
Prepaid interest, first (25 days)$453.74
Fees + prepaids$10,457.09
Your down payment is the seller’s equity. You take over the $184,019 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $91,338.46 is due at closing. Uses and sources reconcile at $275,357.09 each. Not a Closing Disclosure.