Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$68,271Cash toward the purchase price.
Closing costs + prepaids$8,999Not just lender fees.
Before credits & paid funds$77,270The complete starting cash picture.
Estimated remaining funds due at closing
$77,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,270.85
Your down payment$68,270.85
Closing costs + prepaids$8,999.07
Total buyer cash needed$77,269.93
Remaining funds due$77,269.93
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%)$783.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$412.50
Prepaid interest, first (26 days)$334.93
Fees + prepaids$8,999.07
Your down payment is the seller’s equity. You take over the $156,729 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $77,269.93 is due at closing. Uses and sources reconcile at $233,999.07 each. Not a Closing Disclosure.