Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$87,449Cash toward the purchase price.
Closing costs + prepaids$10,533Not just lender fees.
Before credits & paid funds$97,982The complete starting cash picture.
Estimated remaining funds due at closing
$97,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,449.20
Your down payment$87,449.20
Closing costs + prepaids$10,532.69
Total buyer cash needed$97,981.89
Remaining funds due$97,981.89
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%)$1,032.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$286.00
Initial HOA (3 months)$567.00
Prepaid interest, first (24 days)$488.93
Fees + prepaids$10,532.69
Your down payment is the seller’s equity. You take over the $206,551 balance, so the rest of the $294,000 price is paid at closing. A second mortgage can cover part of it. $97,981.89 is due at closing. Uses and sources reconcile at $304,532.69 each. Not a Closing Disclosure.