Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$75,533Cash toward the purchase price.
Closing costs + prepaids$11,198Not just lender fees.
Before credits & paid funds$86,731The complete starting cash picture.
Estimated remaining funds due at closing
$86,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,533.37
Your down payment$75,533.37
Closing costs + prepaids$11,197.78
Total buyer cash needed$86,731.15
Remaining funds due$86,731.15
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%)$3,425.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,334.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$315.50
Initial HOA (3 months)$495.00
Prepaid interest, first (18 days)$409.45
Fees + prepaids$11,197.78
Your down payment is the seller’s equity. You take over the $266,967 balance, so the rest of the $342,500 price is paid at closing. A second mortgage can cover part of it. $86,731.15 is due at closing. Uses and sources reconcile at $353,697.78 each. Not a Closing Disclosure.