Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$97,398Cash toward the purchase price.
Closing costs + prepaids$10,887Not just lender fees.
Before credits & paid funds$108,285The complete starting cash picture.
Estimated remaining funds due at closing
$108,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,398.32
Your down payment$97,398.32
Closing costs + prepaids$10,887.03
Total buyer cash needed$108,285.35
Remaining funds due$108,285.35
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%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$963.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$263.50
Initial HOA (3 months)$1,155.00
Prepaid interest, first (27 days)$387.53
Fees + prepaids$10,887.03
Your down payment is the seller’s equity. You take over the $192,602 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $108,285.35 is due at closing. Uses and sources reconcile at $300,887.03 each. Not a Closing Disclosure.