Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$123,668Cash toward the purchase price.
Closing costs + prepaids$11,113Not just lender fees.
Before credits & paid funds$134,781The complete starting cash picture.
Estimated remaining funds due at closing
$134,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,668.11
Your down payment$123,668.11
Closing costs + prepaids$11,112.73
Total buyer cash needed$134,780.84
Remaining funds due$134,780.84
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$806.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$660.75
Initial HOA (3 months)$1,236.00
Prepaid interest, first (26 days)$341.32
Fees + prepaids$11,112.73
Your down payment is the seller’s equity. You take over the $161,332 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $134,780.84 is due at closing. Uses and sources reconcile at $296,112.73 each. Not a Closing Disclosure.