Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$97,905Cash toward the purchase price.
Closing costs + prepaids$11,080Not just lender fees.
Before credits & paid funds$108,985The complete starting cash picture.
Estimated remaining funds due at closing
$108,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,905.22
Your down payment$97,905.22
Closing costs + prepaids$11,079.52
Total buyer cash needed$108,984.74
Remaining funds due$108,984.74
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%)$985.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,466.50
Initial HOA (3 months)$81.99
Prepaid interest, first (23 days)$377.56
Fees + prepaids$11,079.52
Your down payment is the seller’s equity. You take over the $197,095 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $108,984.74 is due at closing. Uses and sources reconcile at $306,079.52 each. Not a Closing Disclosure.