Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$100,766Cash toward the purchase price.
Closing costs + prepaids$12,281Not just lender fees.
Before credits & paid funds$113,046The complete starting cash picture.
Estimated remaining funds due at closing
$113,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,765.66
Your down payment$100,765.66
Closing costs + prepaids$12,280.79
Total buyer cash needed$113,046.45
Remaining funds due$113,046.45
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,395.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$949.75
Initial HOA (3 months)$246.00
Prepaid interest, first (28 days)$672.37
Fees + prepaids$12,280.79
Your down payment is the seller’s equity. You take over the $279,134 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $113,046.45 is due at closing. Uses and sources reconcile at $392,180.79 each. Not a Closing Disclosure.