Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$86,564Cash toward the purchase price.
Closing costs + prepaids$8,710Not just lender fees.
Before credits & paid funds$95,274The complete starting cash picture.
Estimated remaining funds due at closing
$95,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,564.11
Your down payment$86,564.11
Closing costs + prepaids$8,709.68
Total buyer cash needed$95,273.79
Remaining funds due$95,273.79
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$692.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$181.00
Prepaid interest, first (28 days)$368.50
Fees + prepaids$8,709.68
Your down payment is the seller’s equity. You take over the $138,436 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $95,273.79 is due at closing. Uses and sources reconcile at $233,709.68 each. Not a Closing Disclosure.