Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$94,569Cash toward the purchase price.
Closing costs + prepaids$11,401Not just lender fees.
Before credits & paid funds$105,970The complete starting cash picture.
Estimated remaining funds due at closing
$105,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,569.35
Your down payment$94,569.35
Closing costs + prepaids$11,400.96
Total buyer cash needed$105,970.31
Remaining funds due$105,970.31
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,401.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$527.25
Prepaid interest, first (24 days)$505.06
Fees + prepaids$11,400.96
Your down payment is the seller’s equity. You take over the $280,331 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $105,970.31 is due at closing. Uses and sources reconcile at $386,300.96 each. Not a Closing Disclosure.