Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$90,063Cash toward the purchase price.
Closing costs + prepaids$10,736Not just lender fees.
Before credits & paid funds$100,800The complete starting cash picture.
Estimated remaining funds due at closing
$100,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,063.12
Your down payment$90,063.12
Closing costs + prepaids$10,736.42
Total buyer cash needed$100,799.54
Remaining funds due$100,799.54
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%)$3,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,074.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$381.25
Initial HOA (3 months)$750.00
Prepaid interest, first (15 days)$263.98
Fees + prepaids$10,736.42
Your down payment is the seller’s equity. You take over the $214,837 balance, so the rest of the $304,900 price is paid at closing. A second mortgage can cover part of it. $100,799.54 is due at closing. Uses and sources reconcile at $315,636.42 each. Not a Closing Disclosure.