Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$73,452Cash toward the purchase price.
Closing costs + prepaids$10,066Not just lender fees.
Before credits & paid funds$83,518The complete starting cash picture.
Estimated remaining funds due at closing
$83,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,452.08
Your down payment$73,452.08
Closing costs + prepaids$10,066.08
Total buyer cash needed$83,518.16
Remaining funds due$83,518.16
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%)$2,855.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,060.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$357.00
Prepaid interest, first (14 days)$575.84
Fees + prepaids$10,066.08
Your down payment is the seller’s equity. You take over the $212,048 balance, so the rest of the $285,500 price is paid at closing. A second mortgage can cover part of it. $83,518.16 is due at closing. Uses and sources reconcile at $295,566.08 each. Not a Closing Disclosure.