Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$77,824Cash toward the purchase price.
Closing costs + prepaids$10,712Not just lender fees.
Before credits & paid funds$88,536The complete starting cash picture.
Estimated remaining funds due at closing
$88,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,823.97
Your down payment$77,823.97
Closing costs + prepaids$10,711.59
Total buyer cash needed$88,535.56
Remaining funds due$88,535.56
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%)$3,070.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,145.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$767.50
Initial HOA (3 months)$44.01
Prepaid interest, first (25 days)$466.20
Fees + prepaids$10,711.59
Your down payment is the seller’s equity. You take over the $229,176 balance, so the rest of the $307,000 price is paid at closing. A second mortgage can cover part of it. $88,535.56 is due at closing. Uses and sources reconcile at $317,711.59 each. Not a Closing Disclosure.