Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$81,193Cash toward the purchase price.
Closing costs + prepaids$10,229Not just lender fees.
Before credits & paid funds$91,422The complete starting cash picture.
Estimated remaining funds due at closing
$91,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,193.09
Your down payment$81,193.09
Closing costs + prepaids$10,228.94
Total buyer cash needed$91,422.03
Remaining funds due$91,422.03
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%)$2,779.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$983.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$694.75
Initial HOA (3 months)$105.00
Prepaid interest, first (25 days)$448.65
Fees + prepaids$10,228.94
Your down payment is the seller’s equity. You take over the $196,707 balance, so the rest of the $277,900 price is paid at closing. A second mortgage can cover part of it. $91,422.03 is due at closing. Uses and sources reconcile at $288,128.94 each. Not a Closing Disclosure.