Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$79,495Cash toward the purchase price.
Closing costs + prepaids$9,986Not just lender fees.
Before credits & paid funds$89,480The complete starting cash picture.
Estimated remaining funds due at closing
$89,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,494.91
Your down payment$79,494.91
Closing costs + prepaids$9,985.57
Total buyer cash needed$89,480.48
Remaining funds due$89,480.48
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%)$2,729.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$967.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$702.75
Prepaid interest, first (24 days)$368.79
Fees + prepaids$9,985.57
Your down payment is the seller’s equity. You take over the $193,405 balance, so the rest of the $272,900 price is paid at closing. A second mortgage can cover part of it. $89,480.48 is due at closing. Uses and sources reconcile at $282,885.57 each. Not a Closing Disclosure.