Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$78,139Cash toward the purchase price.
Closing costs + prepaids$10,473Not just lender fees.
Before credits & paid funds$88,612The complete starting cash picture.
Estimated remaining funds due at closing
$88,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,138.95
Your down payment$78,138.95
Closing costs + prepaids$10,473.49
Total buyer cash needed$88,612.44
Remaining funds due$88,612.44
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%)$2,729.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$974.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$682.50
Prepaid interest, first (24 days)$868.70
Fees + prepaids$10,473.49
Your down payment is the seller’s equity. You take over the $194,860 balance, so the rest of the $272,999 price is paid at closing. A second mortgage can cover part of it. $88,612.44 is due at closing. Uses and sources reconcile at $283,472.49 each. Not a Closing Disclosure.