Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$96,141Cash toward the purchase price.
Closing costs + prepaids$10,755Not just lender fees.
Before credits & paid funds$106,895The complete starting cash picture.
Estimated remaining funds due at closing
$106,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,140.56
Your down payment$96,140.56
Closing costs + prepaids$10,754.80
Total buyer cash needed$106,895.36
Remaining funds due$106,895.36
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%)$2,895.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$966.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$251.75
Initial HOA (3 months)$987.00
Prepaid interest, first (27 days)$436.25
Fees + prepaids$10,754.80
Your down payment is the seller’s equity. You take over the $193,359 balance, so the rest of the $289,500 price is paid at closing. A second mortgage can cover part of it. $106,895.36 is due at closing. Uses and sources reconcile at $300,254.80 each. Not a Closing Disclosure.