Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$89,436Cash toward the purchase price.
Closing costs + prepaids$10,152Not just lender fees.
Before credits & paid funds$99,588The complete starting cash picture.
Estimated remaining funds due at closing
$99,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,436.49
Your down payment$89,436.49
Closing costs + prepaids$10,151.66
Total buyer cash needed$99,588.16
Remaining funds due$99,588.16
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%)$2,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,027.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$487.50
Prepaid interest, first (27 days)$468.35
Fees + prepaids$10,151.66
Your down payment is the seller’s equity. You take over the $205,564 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $99,588.16 is due at closing. Uses and sources reconcile at $305,151.66 each. Not a Closing Disclosure.