Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$78,422Cash toward the purchase price.
Closing costs + prepaids$11,348Not just lender fees.
Before credits & paid funds$89,770The complete starting cash picture.
Estimated remaining funds due at closing
$89,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,421.72
Your down payment$78,421.72
Closing costs + prepaids$11,348.38
Total buyer cash needed$89,770.10
Remaining funds due$89,770.10
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%)$2,639.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$927.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$889.25
Initial HOA (3 months)$900.00
Prepaid interest, first (22 days)$774.74
Fees + prepaids$11,348.38
Your down payment is the seller’s equity. You take over the $185,478 balance, so the rest of the $263,900 price is paid at closing. A second mortgage can cover part of it. $89,770.10 is due at closing. Uses and sources reconcile at $275,248.38 each. Not a Closing Disclosure.