Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$67,745Cash toward the purchase price.
Closing costs + prepaids$10,989Not just lender fees.
Before credits & paid funds$78,735The complete starting cash picture.
Estimated remaining funds due at closing
$78,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,745.12
Your down payment$67,745.12
Closing costs + prepaids$10,989.47
Total buyer cash needed$78,734.59
Remaining funds due$78,734.59
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,110.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$724.75
Prepaid interest, first (27 days)$1,036.95
Fees + prepaids$10,989.47
Your down payment is the seller’s equity. You take over the $222,155 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $78,734.59 is due at closing. Uses and sources reconcile at $300,889.47 each. Not a Closing Disclosure.