Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$200,512Cash toward the purchase price.
Closing costs + prepaids$9,133Not just lender fees.
Before credits & paid funds$209,645The complete starting cash picture.
Estimated remaining funds due at closing
$209,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,511.94
Your down payment$200,511.94
Closing costs + prepaids$9,132.74
Total buyer cash needed$209,644.68
Remaining funds due$209,644.68
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%)$467.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$271.25
Prepaid interest, first (24 days)$236.05
Fees + prepaids$9,132.74
Your down payment is the seller’s equity. You take over the $93,488 balance, so the rest of the $294,000 price is paid at closing. A second mortgage can cover part of it. $209,644.68 is due at closing. Uses and sources reconcile at $303,132.74 each. Not a Closing Disclosure.