Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$76,908Cash toward the purchase price.
Closing costs + prepaids$10,483Not just lender fees.
Before credits & paid funds$87,391The complete starting cash picture.
Estimated remaining funds due at closing
$87,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,907.99
Your down payment$76,907.99
Closing costs + prepaids$10,482.95
Total buyer cash needed$87,390.94
Remaining funds due$87,390.94
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%)$3,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,189.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$33.75
Initial HOA (3 months)$350.01
Prepaid interest, first (28 days)$542.23
Fees + prepaids$10,482.95
Your down payment is the seller’s equity. You take over the $237,992 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $87,390.94 is due at closing. Uses and sources reconcile at $325,382.95 each. Not a Closing Disclosure.