Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$94,181Cash toward the purchase price.
Closing costs + prepaids$11,701Not just lender fees.
Before credits & paid funds$105,882The complete starting cash picture.
Estimated remaining funds due at closing
$105,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,180.79
Your down payment$94,180.79
Closing costs + prepaids$11,701.33
Total buyer cash needed$105,882.12
Remaining funds due$105,882.12
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,054.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,018.25
Initial HOA (3 months)$939.00
Prepaid interest, first (26 days)$421.98
Fees + prepaids$11,701.33
Your down payment is the seller’s equity. You take over the $210,819 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $105,882.12 is due at closing. Uses and sources reconcile at $316,701.33 each. Not a Closing Disclosure.