Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$96,486Cash toward the purchase price.
Closing costs + prepaids$9,607Not just lender fees.
Before credits & paid funds$106,093The complete starting cash picture.
Estimated remaining funds due at closing
$106,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,485.59
Your down payment$96,485.59
Closing costs + prepaids$9,607.30
Total buyer cash needed$106,092.89
Remaining funds due$106,092.89
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%)$2,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$942.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$342.00
Prepaid interest, first (18 days)$254.73
Fees + prepaids$9,607.30
Your down payment is the seller’s equity. You take over the $188,514 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $106,092.89 is due at closing. Uses and sources reconcile at $294,607.30 each. Not a Closing Disclosure.