Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$79,603Cash toward the purchase price.
Closing costs + prepaids$10,150Not just lender fees.
Before credits & paid funds$89,754The complete starting cash picture.
Estimated remaining funds due at closing
$89,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,603.43
Your down payment$79,603.43
Closing costs + prepaids$10,150.10
Total buyer cash needed$89,753.53
Remaining funds due$89,753.53
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%)$1,076.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$197.00
Initial HOA (3 months)$690.00
Prepaid interest, first (1 days)$18.12
Fees + prepaids$10,150.10
Your down payment is the seller’s equity. You take over the $215,397 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $89,753.53 is due at closing. Uses and sources reconcile at $305,150.10 each. Not a Closing Disclosure.