Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$76,377Cash toward the purchase price.
Closing costs + prepaids$11,474Not just lender fees.
Before credits & paid funds$87,851The complete starting cash picture.
Estimated remaining funds due at closing
$87,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,377.42
Your down payment$76,377.42
Closing costs + prepaids$11,473.84
Total buyer cash needed$87,851.26
Remaining funds due$87,851.26
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%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,068.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,122.75
Initial HOA (3 months)$870.00
Prepaid interest, first (18 days)$294.97
Fees + prepaids$11,473.84
Your down payment is the seller’s equity. You take over the $213,623 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $87,851.26 is due at closing. Uses and sources reconcile at $301,473.84 each. Not a Closing Disclosure.