Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$106,578Cash toward the purchase price.
Closing costs + prepaids$10,905Not just lender fees.
Before credits & paid funds$117,483The complete starting cash picture.
Estimated remaining funds due at closing
$117,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,577.99
Your down payment$106,577.99
Closing costs + prepaids$10,905.45
Total buyer cash needed$117,483.44
Remaining funds due$117,483.44
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$992.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$366.00
Initial HOA (3 months)$1,158.00
Prepaid interest, first (6 days)$121.34
Fees + prepaids$10,905.45
Your down payment is the seller’s equity. You take over the $198,422 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $117,483.44 is due at closing. Uses and sources reconcile at $315,905.45 each. Not a Closing Disclosure.