Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$67,857Cash toward the purchase price.
Closing costs + prepaids$10,025Not just lender fees.
Before credits & paid funds$77,882The complete starting cash picture.
Estimated remaining funds due at closing
$77,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,857.00
Your down payment$67,857.00
Closing costs + prepaids$10,024.53
Total buyer cash needed$77,881.53
Remaining funds due$77,881.53
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,085.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$469.25
Prepaid interest, first (25 days)$401.57
Fees + prepaids$10,024.53
Your down payment is the seller’s equity. You take over the $217,143 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $77,881.53 is due at closing. Uses and sources reconcile at $295,024.53 each. Not a Closing Disclosure.