Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$75,266Cash toward the purchase price.
Closing costs + prepaids$9,595Not just lender fees.
Before credits & paid funds$84,861The complete starting cash picture.
Estimated remaining funds due at closing
$84,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,265.97
Your down payment$75,265.97
Closing costs + prepaids$9,594.80
Total buyer cash needed$84,860.77
Remaining funds due$84,860.77
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$823.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$860.00
Prepaid interest, first (23 days)$294.63
Fees + prepaids$9,594.80
Your down payment is the seller’s equity. You take over the $164,634 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $84,860.77 is due at closing. Uses and sources reconcile at $249,494.80 each. Not a Closing Disclosure.