Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$80,647Cash toward the purchase price.
Closing costs + prepaids$9,758Not just lender fees.
Before credits & paid funds$90,405The complete starting cash picture.
Estimated remaining funds due at closing
$90,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,646.65
Your down payment$80,646.65
Closing costs + prepaids$9,758.09
Total buyer cash needed$90,404.74
Remaining funds due$90,404.74
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%)$2,269.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$731.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$534.25
Initial HOA (3 months)$813.00
Prepaid interest, first (18 days)$192.57
Fees + prepaids$9,758.09
Your down payment is the seller’s equity. You take over the $146,253 balance, so the rest of the $226,900 price is paid at closing. A second mortgage can cover part of it. $90,404.74 is due at closing. Uses and sources reconcile at $236,658.09 each. Not a Closing Disclosure.