Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$105,296Cash toward the purchase price.
Closing costs + prepaids$9,233Not just lender fees.
Before credits & paid funds$114,530The complete starting cash picture.
Estimated remaining funds due at closing
$114,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,296.22
Your down payment$105,296.22
Closing costs + prepaids$9,233.43
Total buyer cash needed$114,529.66
Remaining funds due$114,529.66
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$898.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$251.75
Prepaid interest, first (1 days)$15.16
Fees + prepaids$9,233.43
Your down payment is the seller’s equity. You take over the $179,704 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $114,529.66 is due at closing. Uses and sources reconcile at $294,233.43 each. Not a Closing Disclosure.