Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$94,243Cash toward the purchase price.
Closing costs + prepaids$10,610Not just lender fees.
Before credits & paid funds$104,853The complete starting cash picture.
Estimated remaining funds due at closing
$104,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,242.85
Your down payment$94,242.85
Closing costs + prepaids$10,609.66
Total buyer cash needed$104,852.52
Remaining funds due$104,852.52
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%)$2,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$953.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$464.50
Initial HOA (3 months)$1,095.00
Prepaid interest, first (2 days)$29.88
Fees + prepaids$10,609.66
Your down payment is the seller’s equity. You take over the $190,657 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $104,852.52 is due at closing. Uses and sources reconcile at $295,509.66 each. Not a Closing Disclosure.