Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$112,633Cash toward the purchase price.
Closing costs + prepaids$11,055Not just lender fees.
Before credits & paid funds$123,688The complete starting cash picture.
Estimated remaining funds due at closing
$123,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,633.40
Your down payment$112,633.40
Closing costs + prepaids$11,054.84
Total buyer cash needed$123,688.24
Remaining funds due$123,688.24
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%)$2,930.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$901.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$573.00
Initial HOA (3 months)$1,044.00
Prepaid interest, first (26 days)$388.01
Fees + prepaids$11,054.84
Your down payment is the seller’s equity. You take over the $180,367 balance, so the rest of the $293,000 price is paid at closing. A second mortgage can cover part of it. $123,688.24 is due at closing. Uses and sources reconcile at $304,054.84 each. Not a Closing Disclosure.