Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$79,986Cash toward the purchase price.
Closing costs + prepaids$10,105Not just lender fees.
Before credits & paid funds$90,092The complete starting cash picture.
Estimated remaining funds due at closing
$90,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,986.49
Your down payment$79,986.49
Closing costs + prepaids$10,105.27
Total buyer cash needed$90,091.76
Remaining funds due$90,091.76
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%)$2,998.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,099.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$360.00
Initial HOA (3 months)$291.00
Prepaid interest, first (9 days)$137.73
Fees + prepaids$10,105.27
Your down payment is the seller’s equity. You take over the $219,912 balance, so the rest of the $299,898 price is paid at closing. A second mortgage can cover part of it. $90,091.76 is due at closing. Uses and sources reconcile at $310,003.27 each. Not a Closing Disclosure.