Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$77,280Cash toward the purchase price.
Closing costs + prepaids$11,924Not just lender fees.
Before credits & paid funds$89,203The complete starting cash picture.
Estimated remaining funds due at closing
$89,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,279.59
Your down payment$77,279.59
Closing costs + prepaids$11,923.61
Total buyer cash needed$89,203.20
Remaining funds due$89,203.20
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%)$3,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,158.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,888.75
Initial HOA (3 months)$68.76
Prepaid interest, first (28 days)$499.50
Fees + prepaids$11,923.61
Your down payment is the seller’s equity. You take over the $231,720 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $89,203.20 is due at closing. Uses and sources reconcile at $320,923.61 each. Not a Closing Disclosure.