Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$186,521Cash toward the purchase price.
Closing costs + prepaids$9,039Not just lender fees.
Before credits & paid funds$195,560The complete starting cash picture.
Estimated remaining funds due at closing
$195,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,520.77
Your down payment$186,520.77
Closing costs + prepaids$9,038.73
Total buyer cash needed$195,559.50
Remaining funds due$195,559.50
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$492.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$290.75
Initial HOA (3 months)$168.00
Prepaid interest, first (2 days)$19.59
Fees + prepaids$9,038.73
Your down payment is the seller’s equity. You take over the $98,479 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $195,559.50 is due at closing. Uses and sources reconcile at $294,038.73 each. Not a Closing Disclosure.