Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$101,471Cash toward the purchase price.
Closing costs + prepaids$11,491Not just lender fees.
Before credits & paid funds$112,961The complete starting cash picture.
Estimated remaining funds due at closing
$112,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,470.53
Your down payment$101,470.53
Closing costs + prepaids$11,490.66
Total buyer cash needed$112,961.19
Remaining funds due$112,961.19
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,467.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$290.00
Initial HOA (3 months)$11.25
Prepaid interest, first (22 days)$553.77
Fees + prepaids$11,490.66
Your down payment is the seller’s equity. You take over the $293,529 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $112,961.19 is due at closing. Uses and sources reconcile at $406,490.66 each. Not a Closing Disclosure.