Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$99,584Cash toward the purchase price.
Closing costs + prepaids$10,441Not just lender fees.
Before credits & paid funds$110,026The complete starting cash picture.
Estimated remaining funds due at closing
$110,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,584.16
Your down payment$99,584.16
Closing costs + prepaids$10,441.46
Total buyer cash needed$110,025.62
Remaining funds due$110,025.62
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$951.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$348.00
Initial HOA (3 months)$906.00
Prepaid interest, first (6 days)$118.88
Fees + prepaids$10,441.46
Your down payment is the seller’s equity. You take over the $190,316 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $110,025.62 is due at closing. Uses and sources reconcile at $300,341.46 each. Not a Closing Disclosure.