Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$112,633Cash toward the purchase price.
Closing costs + prepaids$10,776Not just lender fees.
Before credits & paid funds$123,409The complete starting cash picture.
Estimated remaining funds due at closing
$123,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,633.40
Your down payment$112,633.40
Closing costs + prepaids$10,776.00
Total buyer cash needed$123,409.40
Remaining funds due$123,409.40
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%)$2,930.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$901.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$573.00
Initial HOA (3 months)$795.00
Prepaid interest, first (24 days)$358.16
Fees + prepaids$10,776.00
Your down payment is the seller’s equity. You take over the $180,367 balance, so the rest of the $293,000 price is paid at closing. A second mortgage can cover part of it. $123,409.40 is due at closing. Uses and sources reconcile at $303,776.00 each. Not a Closing Disclosure.