Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$84,163Cash toward the purchase price.
Closing costs + prepaids$10,835Not just lender fees.
Before credits & paid funds$94,997The complete starting cash picture.
Estimated remaining funds due at closing
$94,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,162.52
Your down payment$84,162.52
Closing costs + prepaids$10,834.90
Total buyer cash needed$94,997.43
Remaining funds due$94,997.43
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%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,029.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$18.75
Initial HOA (3 months)$1,290.00
Prepaid interest, first (24 days)$378.97
Fees + prepaids$10,834.90
Your down payment is the seller’s equity. You take over the $205,837 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $94,997.43 is due at closing. Uses and sources reconcile at $300,834.90 each. Not a Closing Disclosure.