Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$86,666Cash toward the purchase price.
Closing costs + prepaids$11,291Not just lender fees.
Before credits & paid funds$97,957The complete starting cash picture.
Estimated remaining funds due at closing
$97,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,665.90
Your down payment$86,665.90
Closing costs + prepaids$11,291.06
Total buyer cash needed$97,956.96
Remaining funds due$97,956.96
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%)$2,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,056.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$892.50
Initial HOA (3 months)$735.00
Prepaid interest, first (22 days)$408.89
Fees + prepaids$11,291.06
Your down payment is the seller’s equity. You take over the $211,334 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $97,956.96 is due at closing. Uses and sources reconcile at $309,291.06 each. Not a Closing Disclosure.