Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$96,032Cash toward the purchase price.
Closing costs + prepaids$9,535Not just lender fees.
Before credits & paid funds$105,567The complete starting cash picture.
Estimated remaining funds due at closing
$105,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,031.80
Your down payment$96,031.80
Closing costs + prepaids$9,535.21
Total buyer cash needed$105,567.01
Remaining funds due$105,567.01
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%)$944.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$494.00
Prepaid interest, first (2 days)$28.37
Fees + prepaids$9,535.21
Your down payment is the seller’s equity. You take over the $188,968 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $105,567.01 is due at closing. Uses and sources reconcile at $294,535.21 each. Not a Closing Disclosure.