Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$88,184Cash toward the purchase price.
Closing costs + prepaids$10,630Not just lender fees.
Before credits & paid funds$98,814The complete starting cash picture.
Estimated remaining funds due at closing
$98,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,183.86
Your down payment$88,183.86
Closing costs + prepaids$10,629.99
Total buyer cash needed$98,813.85
Remaining funds due$98,813.85
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%)$2,930.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,024.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,084.75
Prepaid interest, first (25 days)$373.16
Fees + prepaids$10,629.99
Your down payment is the seller’s equity. You take over the $204,816 balance, so the rest of the $293,000 price is paid at closing. A second mortgage can cover part of it. $98,813.85 is due at closing. Uses and sources reconcile at $303,629.99 each. Not a Closing Disclosure.