Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$106,904Cash toward the purchase price.
Closing costs + prepaids$10,063Not just lender fees.
Before credits & paid funds$116,967The complete starting cash picture.
Estimated remaining funds due at closing
$116,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,903.74
Your down payment$106,903.74
Closing costs + prepaids$10,062.94
Total buyer cash needed$116,966.68
Remaining funds due$116,966.68
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%)$890.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$712.50
Prepaid interest, first (29 days)$391.96
Fees + prepaids$10,062.94
Your down payment is the seller’s equity. You take over the $178,096 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $116,966.68 is due at closing. Uses and sources reconcile at $295,062.94 each. Not a Closing Disclosure.