Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$72,625Cash toward the purchase price.
Closing costs + prepaids$11,444Not just lender fees.
Before credits & paid funds$84,069The complete starting cash picture.
Estimated remaining funds due at closing
$84,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,625.14
Your down payment$72,625.14
Closing costs + prepaids$11,443.75
Total buyer cash needed$84,068.89
Remaining funds due$84,068.89
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%)$3,228.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,251.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$663.50
Initial HOA (3 months)$86.49
Prepaid interest, first (22 days)$995.57
Fees + prepaids$11,443.75
Your down payment is the seller’s equity. You take over the $250,263 balance, so the rest of the $322,888 price is paid at closing. A second mortgage can cover part of it. $84,068.89 is due at closing. Uses and sources reconcile at $334,331.75 each. Not a Closing Disclosure.