Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$102,161Cash toward the purchase price.
Closing costs + prepaids$11,098Not just lender fees.
Before credits & paid funds$113,259The complete starting cash picture.
Estimated remaining funds due at closing
$113,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,160.53
Your down payment$102,160.53
Closing costs + prepaids$11,098.24
Total buyer cash needed$113,258.77
Remaining funds due$113,258.77
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%)$2,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$964.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$290.25
Initial HOA (3 months)$915.00
Prepaid interest, first (24 days)$760.79
Fees + prepaids$11,098.24
Your down payment is the seller’s equity. You take over the $192,839 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $113,258.77 is due at closing. Uses and sources reconcile at $306,098.24 each. Not a Closing Disclosure.