Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$80,064Cash toward the purchase price.
Closing costs + prepaids$8,971Not just lender fees.
Before credits & paid funds$89,035The complete starting cash picture.
Estimated remaining funds due at closing
$89,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,064.30
Your down payment$80,064.30
Closing costs + prepaids$8,970.84
Total buyer cash needed$89,035.14
Remaining funds due$89,035.14
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%)$2,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$789.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$228.00
Prepaid interest, first (27 days)$355.16
Fees + prepaids$8,970.84
Your down payment is the seller’s equity. You take over the $157,936 balance, so the rest of the $238,000 price is paid at closing. A second mortgage can cover part of it. $89,035.14 is due at closing. Uses and sources reconcile at $246,970.84 each. Not a Closing Disclosure.