Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$72,859Cash toward the purchase price.
Closing costs + prepaids$10,741Not just lender fees.
Before credits & paid funds$83,600The complete starting cash picture.
Estimated remaining funds due at closing
$83,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,859.08
Your down payment$72,859.08
Closing costs + prepaids$10,740.79
Total buyer cash needed$83,599.87
Remaining funds due$83,599.87
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%)$3,020.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,145.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$859.25
Prepaid interest, first (26 days)$497.83
Fees + prepaids$10,740.79
Your down payment is the seller’s equity. You take over the $229,141 balance, so the rest of the $302,000 price is paid at closing. A second mortgage can cover part of it. $83,599.87 is due at closing. Uses and sources reconcile at $312,740.79 each. Not a Closing Disclosure.