Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$96,961Cash toward the purchase price.
Closing costs + prepaids$11,802Not just lender fees.
Before credits & paid funds$108,763The complete starting cash picture.
Estimated remaining funds due at closing
$108,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,960.83
Your down payment$96,960.83
Closing costs + prepaids$11,802.45
Total buyer cash needed$108,763.28
Remaining funds due$108,763.28
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%)$2,860.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$945.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,517.25
Initial HOA (3 months)$915.00
Prepaid interest, first (25 days)$347.00
Fees + prepaids$11,802.45
Your down payment is the seller’s equity. You take over the $189,039 balance, so the rest of the $286,000 price is paid at closing. A second mortgage can cover part of it. $108,763.28 is due at closing. Uses and sources reconcile at $297,802.45 each. Not a Closing Disclosure.