Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$74,975Cash toward the purchase price.
Closing costs + prepaids$12,636Not just lender fees.
Before credits & paid funds$87,611The complete starting cash picture.
Estimated remaining funds due at closing
$87,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,975.10
Your down payment$74,975.10
Closing costs + prepaids$12,635.94
Total buyer cash needed$87,611.04
Remaining funds due$87,611.04
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%)$3,289.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,269.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,364.25
Prepaid interest, first (24 days)$494.31
Fees + prepaids$12,635.94
Your down payment is the seller’s equity. You take over the $253,975 balance, so the rest of the $328,950 price is paid at closing. A second mortgage can cover part of it. $87,611.04 is due at closing. Uses and sources reconcile at $341,585.94 each. Not a Closing Disclosure.