Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$83,161Cash toward the purchase price.
Closing costs + prepaids$10,182Not just lender fees.
Before credits & paid funds$93,343The complete starting cash picture.
Estimated remaining funds due at closing
$93,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,161.00
Your down payment$83,161.00
Closing costs + prepaids$10,182.40
Total buyer cash needed$93,343.40
Remaining funds due$93,343.40
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%)$2,959.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,063.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$417.00
Initial HOA (3 months)$111.00
Prepaid interest, first (26 days)$413.70
Fees + prepaids$10,182.40
Your down payment is the seller’s equity. You take over the $212,739 balance, so the rest of the $295,900 price is paid at closing. A second mortgage can cover part of it. $93,343.40 is due at closing. Uses and sources reconcile at $306,082.40 each. Not a Closing Disclosure.