Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$71,466Cash toward the purchase price.
Closing costs + prepaids$9,880Not just lender fees.
Before credits & paid funds$81,346The complete starting cash picture.
Estimated remaining funds due at closing
$81,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,466.22
Your down payment$71,466.22
Closing costs + prepaids$9,880.07
Total buyer cash needed$81,346.29
Remaining funds due$81,346.29
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%)$1,092.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$348.25
Prepaid interest, first (18 days)$321.15
Fees + prepaids$9,880.07
Your down payment is the seller’s equity. You take over the $218,534 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $81,346.29 is due at closing. Uses and sources reconcile at $299,880.07 each. Not a Closing Disclosure.