Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$181,612Cash toward the purchase price.
Closing costs + prepaids$10,731Not just lender fees.
Before credits & paid funds$192,343The complete starting cash picture.
Estimated remaining funds due at closing
$192,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,611.56
Your down payment$181,611.56
Closing costs + prepaids$10,731.46
Total buyer cash needed$192,343.03
Remaining funds due$192,343.03
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%)$2,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$561.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,528.25
Initial HOA (3 months)$16.26
Prepaid interest, first (29 days)$467.01
Fees + prepaids$10,731.46
Your down payment is the seller’s equity. You take over the $112,388 balance, so the rest of the $294,000 price is paid at closing. A second mortgage can cover part of it. $192,343.03 is due at closing. Uses and sources reconcile at $304,731.46 each. Not a Closing Disclosure.