Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$80,838Cash toward the purchase price.
Closing costs + prepaids$10,019Not just lender fees.
Before credits & paid funds$90,857The complete starting cash picture.
Estimated remaining funds due at closing
$90,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,837.92
Your down payment$80,837.92
Closing costs + prepaids$10,019.48
Total buyer cash needed$90,857.40
Remaining funds due$90,857.40
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$920.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$779.25
Prepaid interest, first (23 days)$451.42
Fees + prepaids$10,019.48
Your down payment is the seller’s equity. You take over the $184,162 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $90,857.40 is due at closing. Uses and sources reconcile at $275,019.48 each. Not a Closing Disclosure.