Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$96,965Cash toward the purchase price.
Closing costs + prepaids$11,408Not just lender fees.
Before credits & paid funds$108,373The complete starting cash picture.
Estimated remaining funds due at closing
$108,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,965.47
Your down payment$96,965.47
Closing costs + prepaids$11,407.82
Total buyer cash needed$108,373.29
Remaining funds due$108,373.29
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,064.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,108.75
Initial HOA (3 months)$106.26
Prepaid interest, first (22 days)$811.13
Fees + prepaids$11,407.82
Your down payment is the seller’s equity. You take over the $212,935 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $108,373.29 is due at closing. Uses and sources reconcile at $321,307.82 each. Not a Closing Disclosure.