Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$110,588Cash toward the purchase price.
Closing costs + prepaids$11,100Not just lender fees.
Before credits & paid funds$121,688The complete starting cash picture.
Estimated remaining funds due at closing
$121,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,587.79
Your down payment$110,587.79
Closing costs + prepaids$11,100.49
Total buyer cash needed$121,688.28
Remaining funds due$121,688.28
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%)$3,875.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,384.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$12.51
Prepaid interest, first (27 days)$610.42
Fees + prepaids$11,100.49
Your down payment is the seller’s equity. You take over the $276,912 balance, so the rest of the $387,500 price is paid at closing. A second mortgage can cover part of it. $121,688.28 is due at closing. Uses and sources reconcile at $398,600.49 each. Not a Closing Disclosure.