Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$93,208Cash toward the purchase price.
Closing costs + prepaids$13,718Not just lender fees.
Before credits & paid funds$106,926The complete starting cash picture.
Estimated remaining funds due at closing
$106,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,207.81
Your down payment$93,207.81
Closing costs + prepaids$13,718.02
Total buyer cash needed$106,925.83
Remaining funds due$106,925.83
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,458.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,939.00
Prepaid interest, first (23 days)$1,253.56
Fees + prepaids$13,718.02
Your down payment is the seller’s equity. You take over the $291,692 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $106,925.83 is due at closing. Uses and sources reconcile at $398,618.02 each. Not a Closing Disclosure.