Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$94,230Cash toward the purchase price.
Closing costs + prepaids$10,436Not just lender fees.
Before credits & paid funds$104,666The complete starting cash picture.
Estimated remaining funds due at closing
$104,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,229.91
Your down payment$94,229.91
Closing costs + prepaids$10,436.35
Total buyer cash needed$104,666.26
Remaining funds due$104,666.26
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%)$2,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,003.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$755.25
Initial HOA (3 months)$89.01
Prepaid interest, first (20 days)$420.24
Fees + prepaids$10,436.35
Your down payment is the seller’s equity. You take over the $200,770 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $104,666.26 is due at closing. Uses and sources reconcile at $305,436.35 each. Not a Closing Disclosure.