Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$193,958Cash toward the purchase price.
Closing costs + prepaids$9,317Not just lender fees.
Before credits & paid funds$203,275The complete starting cash picture.
Estimated remaining funds due at closing
$203,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,957.65
Your down payment$193,957.65
Closing costs + prepaids$9,316.89
Total buyer cash needed$203,274.54
Remaining funds due$203,274.54
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%)$2,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$504.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$440.00
Initial HOA (3 months)$16.26
Prepaid interest, first (23 days)$188.91
Fees + prepaids$9,316.89
Your down payment is the seller’s equity. You take over the $100,942 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $203,274.54 is due at closing. Uses and sources reconcile at $304,216.89 each. Not a Closing Disclosure.