Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$88,741Cash toward the purchase price.
Closing costs + prepaids$10,509Not just lender fees.
Before credits & paid funds$99,250The complete starting cash picture.
Estimated remaining funds due at closing
$99,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,741.15
Your down payment$88,741.15
Closing costs + prepaids$10,508.54
Total buyer cash needed$99,249.69
Remaining funds due$99,249.69
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%)$2,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$921.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,168.50
Prepaid interest, first (25 days)$470.74
Fees + prepaids$10,508.54
Your down payment is the seller’s equity. You take over the $184,259 balance, so the rest of the $273,000 price is paid at closing. A second mortgage can cover part of it. $99,249.69 is due at closing. Uses and sources reconcile at $283,508.54 each. Not a Closing Disclosure.