Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$99,054Cash toward the purchase price.
Closing costs + prepaids$10,164Not just lender fees.
Before credits & paid funds$109,218The complete starting cash picture.
Estimated remaining funds due at closing
$109,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,054.15
Your down payment$99,054.15
Closing costs + prepaids$10,163.64
Total buyer cash needed$109,217.78
Remaining funds due$109,217.78
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%)$2,820.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$914.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$790.25
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$270.66
Fees + prepaids$10,163.64
Your down payment is the seller’s equity. You take over the $182,946 balance, so the rest of the $282,000 price is paid at closing. A second mortgage can cover part of it. $109,217.78 is due at closing. Uses and sources reconcile at $292,163.64 each. Not a Closing Disclosure.