Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$89,929Cash toward the purchase price.
Closing costs + prepaids$12,685Not just lender fees.
Before credits & paid funds$102,614The complete starting cash picture.
Estimated remaining funds due at closing
$102,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,928.66
Your down payment$89,928.66
Closing costs + prepaids$12,685.13
Total buyer cash needed$102,613.80
Remaining funds due$102,613.80
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,550.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.25
Prepaid interest, first (28 days)$1,586.54
Fees + prepaids$12,685.13
Your down payment is the seller’s equity. You take over the $310,070 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $102,613.80 is due at closing. Uses and sources reconcile at $412,684.13 each. Not a Closing Disclosure.