Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$112,633Cash toward the purchase price.
Closing costs + prepaids$11,129Not just lender fees.
Before credits & paid funds$123,763The complete starting cash picture.
Estimated remaining funds due at closing
$123,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,633.40
Your down payment$112,633.40
Closing costs + prepaids$11,129.46
Total buyer cash needed$123,762.86
Remaining funds due$123,762.86
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%)$2,930.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$901.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$573.00
Initial HOA (3 months)$1,044.00
Prepaid interest, first (31 days)$462.63
Fees + prepaids$11,129.46
Your down payment is the seller’s equity. You take over the $180,367 balance, so the rest of the $293,000 price is paid at closing. A second mortgage can cover part of it. $123,762.86 is due at closing. Uses and sources reconcile at $304,129.46 each. Not a Closing Disclosure.