Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$91,346Cash toward the purchase price.
Closing costs + prepaids$10,168Not just lender fees.
Before credits & paid funds$101,514The complete starting cash picture.
Estimated remaining funds due at closing
$101,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,346.11
Your down payment$91,346.11
Closing costs + prepaids$10,168.31
Total buyer cash needed$101,514.42
Remaining funds due$101,514.42
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%)$2,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$988.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$361.25
Initial HOA (3 months)$465.00
Prepaid interest, first (17 days)$245.79
Fees + prepaids$10,168.31
Your down payment is the seller’s equity. You take over the $197,654 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $101,514.42 is due at closing. Uses and sources reconcile at $299,168.31 each. Not a Closing Disclosure.