Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$94,361Cash toward the purchase price.
Closing costs + prepaids$12,502Not just lender fees.
Before credits & paid funds$106,863The complete starting cash picture.
Estimated remaining funds due at closing
$106,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,361.04
Your down payment$94,361.04
Closing costs + prepaids$12,501.89
Total buyer cash needed$106,862.93
Remaining funds due$106,862.93
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%)$3,049.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,053.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,769.75
Initial HOA (3 months)$90.00
Prepaid interest, first (30 days)$1,320.96
Fees + prepaids$12,501.89
Your down payment is the seller’s equity. You take over the $210,638 balance, so the rest of the $304,999 price is paid at closing. A second mortgage can cover part of it. $106,862.93 is due at closing. Uses and sources reconcile at $317,500.89 each. Not a Closing Disclosure.