Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$95,292Cash toward the purchase price.
Closing costs + prepaids$10,889Not just lender fees.
Before credits & paid funds$106,181The complete starting cash picture.
Estimated remaining funds due at closing
$106,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,292.45
Your down payment$95,292.45
Closing costs + prepaids$10,888.82
Total buyer cash needed$106,181.27
Remaining funds due$106,181.27
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,048.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$213.50
Initial HOA (3 months)$972.00
Prepaid interest, first (22 days)$386.78
Fees + prepaids$10,888.82
Your down payment is the seller’s equity. You take over the $209,708 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $106,181.27 is due at closing. Uses and sources reconcile at $315,888.82 each. Not a Closing Disclosure.