Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$84,142Cash toward the purchase price.
Closing costs + prepaids$10,532Not just lender fees.
Before credits & paid funds$94,674The complete starting cash picture.
Estimated remaining funds due at closing
$94,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,141.96
Your down payment$84,141.96
Closing costs + prepaids$10,531.83
Total buyer cash needed$94,673.79
Remaining funds due$94,673.79
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,128.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$520.25
Initial HOA (3 months)$105.00
Prepaid interest, first (25 days)$460.79
Fees + prepaids$10,531.83
Your down payment is the seller’s equity. You take over the $225,758 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $94,673.79 is due at closing. Uses and sources reconcile at $320,431.83 each. Not a Closing Disclosure.