Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$79,705Cash toward the purchase price.
Closing costs + prepaids$8,631Not just lender fees.
Before credits & paid funds$88,335The complete starting cash picture.
Estimated remaining funds due at closing
$88,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,704.55
Your down payment$79,704.55
Closing costs + prepaids$8,630.66
Total buyer cash needed$88,335.21
Remaining funds due$88,335.21
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%)$791.48
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 (1 days)$13.18
Fees + prepaids$8,630.66
Your down payment is the seller’s equity. You take over the $158,295 balance, so the rest of the $238,000 price is paid at closing. A second mortgage can cover part of it. $88,335.21 is due at closing. Uses and sources reconcile at $246,630.66 each. Not a Closing Disclosure.