Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$80,916Cash toward the purchase price.
Closing costs + prepaids$9,768Not just lender fees.
Before credits & paid funds$90,685The complete starting cash picture.
Estimated remaining funds due at closing
$90,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,916.38
Your down payment$80,916.38
Closing costs + prepaids$9,768.38
Total buyer cash needed$90,684.76
Remaining funds due$90,684.76
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%)$2,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$990.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$464.75
Prepaid interest, first (19 days)$305.21
Fees + prepaids$9,768.38
Your down payment is the seller’s equity. You take over the $198,084 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $90,684.76 is due at closing. Uses and sources reconcile at $288,768.38 each. Not a Closing Disclosure.