Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$77,120Cash toward the purchase price.
Closing costs + prepaids$10,324Not just lender fees.
Before credits & paid funds$87,444The complete starting cash picture.
Estimated remaining funds due at closing
$87,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,120.25
Your down payment$77,120.25
Closing costs + prepaids$10,323.65
Total buyer cash needed$87,443.90
Remaining funds due$87,443.90
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%)$1,039.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$712.50
Prepaid interest, first (29 days)$503.75
Fees + prepaids$10,323.65
Your down payment is the seller’s equity. You take over the $207,880 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $87,443.90 is due at closing. Uses and sources reconcile at $295,323.65 each. Not a Closing Disclosure.