Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$79,561Cash toward the purchase price.
Closing costs + prepaids$9,740Not just lender fees.
Before credits & paid funds$89,302The complete starting cash picture.
Estimated remaining funds due at closing
$89,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,561.26
Your down payment$79,561.26
Closing costs + prepaids$9,740.33
Total buyer cash needed$89,301.58
Remaining funds due$89,301.58
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%)$2,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$801.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$138.50
Initial HOA (3 months)$525.00
Prepaid interest, first (22 days)$658.14
Fees + prepaids$9,740.33
Your down payment is the seller’s equity. You take over the $160,339 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $89,301.58 is due at closing. Uses and sources reconcile at $249,640.33 each. Not a Closing Disclosure.