Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$86,060Cash toward the purchase price.
Closing costs + prepaids$10,892Not just lender fees.
Before credits & paid funds$96,952The complete starting cash picture.
Estimated remaining funds due at closing
$96,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,059.58
Your down payment$86,059.58
Closing costs + prepaids$10,892.42
Total buyer cash needed$96,952.00
Remaining funds due$96,952.00
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%)$3,149.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,144.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$928.00
Prepaid interest, first (26 days)$451.73
Fees + prepaids$10,892.42
Your down payment is the seller’s equity. You take over the $228,939 balance, so the rest of the $314,999 price is paid at closing. A second mortgage can cover part of it. $96,952.00 is due at closing. Uses and sources reconcile at $325,891.42 each. Not a Closing Disclosure.