Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$72,893Cash toward the purchase price.
Closing costs + prepaids$13,094Not just lender fees.
Before credits & paid funds$85,987The complete starting cash picture.
Estimated remaining funds due at closing
$85,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,892.85
Your down payment$72,892.85
Closing costs + prepaids$13,094.00
Total buyer cash needed$85,986.85
Remaining funds due$85,986.85
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%)$3,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,333.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,015.50
Prepaid interest, first (24 days)$1,132.46
Fees + prepaids$13,094.00
Your down payment is the seller’s equity. You take over the $266,607 balance, so the rest of the $339,500 price is paid at closing. A second mortgage can cover part of it. $85,986.85 is due at closing. Uses and sources reconcile at $352,594.00 each. Not a Closing Disclosure.