Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$79,494Cash toward the purchase price.
Closing costs + prepaids$11,115Not just lender fees.
Before credits & paid funds$90,609The complete starting cash picture.
Estimated remaining funds due at closing
$90,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,494.10
Your down payment$79,494.10
Closing costs + prepaids$11,115.03
Total buyer cash needed$90,609.12
Remaining funds due$90,609.12
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%)$3,171.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,188.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.75
Prepaid interest, first (27 days)$1,093.25
Fees + prepaids$11,115.03
Your down payment is the seller’s equity. You take over the $237,606 balance, so the rest of the $317,100 price is paid at closing. A second mortgage can cover part of it. $90,609.12 is due at closing. Uses and sources reconcile at $328,215.03 each. Not a Closing Disclosure.