Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$95,976Cash toward the purchase price.
Closing costs + prepaids$10,167Not just lender fees.
Before credits & paid funds$106,143The complete starting cash picture.
Estimated remaining funds due at closing
$106,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,976.16
Your down payment$95,976.16
Closing costs + prepaids$10,166.59
Total buyer cash needed$106,142.75
Remaining funds due$106,142.75
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%)$965.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$309.50
Initial HOA (3 months)$768.00
Prepaid interest, first (1 days)$15.97
Fees + prepaids$10,166.59
Your down payment is the seller’s equity. You take over the $193,024 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $106,142.75 is due at closing. Uses and sources reconcile at $299,166.59 each. Not a Closing Disclosure.