Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$96,929Cash toward the purchase price.
Closing costs + prepaids$10,516Not just lender fees.
Before credits & paid funds$107,445The complete starting cash picture.
Estimated remaining funds due at closing
$107,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,929.05
Your down payment$96,929.05
Closing costs + prepaids$10,516.24
Total buyer cash needed$107,445.30
Remaining funds due$107,445.30
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%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$965.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$263.50
Initial HOA (3 months)$1,155.00
Prepaid interest, first (1 days)$14.39
Fees + prepaids$10,516.24
Your down payment is the seller’s equity. You take over the $193,071 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $107,445.30 is due at closing. Uses and sources reconcile at $300,516.24 each. Not a Closing Disclosure.