Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$101,308Cash toward the purchase price.
Closing costs + prepaids$9,602Not just lender fees.
Before credits & paid funds$110,910The complete starting cash picture.
Estimated remaining funds due at closing
$110,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,308.09
Your down payment$101,308.09
Closing costs + prepaids$9,601.69
Total buyer cash needed$110,909.78
Remaining funds due$110,909.78
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%)$2,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$917.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$266.25
Prepaid interest, first (26 days)$350.48
Fees + prepaids$9,601.69
Your down payment is the seller’s equity. You take over the $183,592 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $110,909.78 is due at closing. Uses and sources reconcile at $294,501.69 each. Not a Closing Disclosure.