Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$80,911Cash toward the purchase price.
Closing costs + prepaids$7,799Not just lender fees.
Before credits & paid funds$88,710The complete starting cash picture.
Estimated remaining funds due at closing
$88,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,911.35
Your down payment$80,911.35
Closing costs + prepaids$7,798.55
Total buyer cash needed$88,709.90
Remaining funds due$88,709.90
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%)$1,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$520.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$194.25
Prepaid interest, first (2 days)$15.86
Fees + prepaids$7,798.55
Your down payment is the seller’s equity. You take over the $104,089 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $88,709.90 is due at closing. Uses and sources reconcile at $192,798.55 each. Not a Closing Disclosure.