Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$95,699Cash toward the purchase price.
Closing costs + prepaids$10,353Not just lender fees.
Before credits & paid funds$106,052The complete starting cash picture.
Estimated remaining funds due at closing
$106,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,698.61
Your down payment$95,698.61
Closing costs + prepaids$10,353.15
Total buyer cash needed$106,051.75
Remaining funds due$106,051.75
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%)$2,895.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$969.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$251.75
Initial HOA (3 months)$987.00
Prepaid interest, first (2 days)$32.39
Fees + prepaids$10,353.15
Your down payment is the seller’s equity. You take over the $193,801 balance, so the rest of the $289,500 price is paid at closing. A second mortgage can cover part of it. $106,051.75 is due at closing. Uses and sources reconcile at $299,853.15 each. Not a Closing Disclosure.