Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$78,044Cash toward the purchase price.
Closing costs + prepaids$12,654Not just lender fees.
Before credits & paid funds$90,699The complete starting cash picture.
Estimated remaining funds due at closing
$90,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,044.49
Your down payment$78,044.49
Closing costs + prepaids$12,654.17
Total buyer cash needed$90,698.67
Remaining funds due$90,698.67
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,534.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$962.50
Prepaid interest, first (26 days)$1,088.89
Fees + prepaids$12,654.17
Your down payment is the seller’s equity. You take over the $306,956 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $90,698.67 is due at closing. Uses and sources reconcile at $397,654.17 each. Not a Closing Disclosure.