Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$74,868Cash toward the purchase price.
Closing costs + prepaids$12,829Not just lender fees.
Before credits & paid funds$87,697The complete starting cash picture.
Estimated remaining funds due at closing
$87,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,868.23
Your down payment$74,868.23
Closing costs + prepaids$12,828.63
Total buyer cash needed$87,696.86
Remaining funds due$87,696.86
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%)$3,410.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,330.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,437.50
Initial HOA (3 months)$132.00
Prepaid interest, first (26 days)$1,300.47
Fees + prepaids$12,828.63
Your down payment is the seller’s equity. You take over the $266,132 balance, so the rest of the $341,000 price is paid at closing. A second mortgage can cover part of it. $87,696.86 is due at closing. Uses and sources reconcile at $353,828.63 each. Not a Closing Disclosure.