Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$92,652Cash toward the purchase price.
Closing costs + prepaids$9,614Not just lender fees.
Before credits & paid funds$102,267The complete starting cash picture.
Estimated remaining funds due at closing
$102,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,652.49
Your down payment$92,652.49
Closing costs + prepaids$9,614.28
Total buyer cash needed$102,266.77
Remaining funds due$102,266.77
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%)$2,799.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$936.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$122.00
Initial HOA (3 months)$90.00
Prepaid interest, first (27 days)$447.62
Fees + prepaids$9,614.28
Your down payment is the seller’s equity. You take over the $187,343 balance, so the rest of the $279,995 price is paid at closing. A second mortgage can cover part of it. $102,266.77 is due at closing. Uses and sources reconcile at $289,609.28 each. Not a Closing Disclosure.