Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$84,989Cash toward the purchase price.
Closing costs + prepaids$11,054Not just lender fees.
Before credits & paid funds$96,043The complete starting cash picture.
Estimated remaining funds due at closing
$96,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,988.54
Your down payment$84,988.54
Closing costs + prepaids$11,054.40
Total buyer cash needed$96,042.93
Remaining funds due$96,042.93
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%)$3,049.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,100.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,235.00
Prepaid interest, first (26 days)$451.35
Fees + prepaids$11,054.40
Your down payment is the seller’s equity. You take over the $220,010 balance, so the rest of the $304,999 price is paid at closing. A second mortgage can cover part of it. $96,042.93 is due at closing. Uses and sources reconcile at $316,053.40 each. Not a Closing Disclosure.