Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$73,794Cash toward the purchase price.
Closing costs + prepaids$9,956Not just lender fees.
Before credits & paid funds$83,750The complete starting cash picture.
Estimated remaining funds due at closing
$83,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,793.67
Your down payment$73,793.67
Closing costs + prepaids$9,956.44
Total buyer cash needed$83,750.11
Remaining funds due$83,750.11
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,056.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$356.25
Initial HOA (3 months)$255.00
Prepaid interest, first (13 days)$221.16
Fees + prepaids$9,956.44
Your down payment is the seller’s equity. You take over the $211,206 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $83,750.11 is due at closing. Uses and sources reconcile at $294,956.44 each. Not a Closing Disclosure.