Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$96,570Cash toward the purchase price.
Closing costs + prepaids$11,773Not just lender fees.
Before credits & paid funds$108,343The complete starting cash picture.
Estimated remaining funds due at closing
$108,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,570.11
Your down payment$96,570.11
Closing costs + prepaids$11,773.25
Total buyer cash needed$108,343.36
Remaining funds due$108,343.36
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,466.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$15.00
Prepaid interest, first (28 days)$1,174.61
Fees + prepaids$11,773.25
Your down payment is the seller’s equity. You take over the $293,330 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $108,343.36 is due at closing. Uses and sources reconcile at $401,673.25 each. Not a Closing Disclosure.