Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$95,436Cash toward the purchase price.
Closing costs + prepaids$11,510Not just lender fees.
Before credits & paid funds$106,946The complete starting cash picture.
Estimated remaining funds due at closing
$106,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,435.91
Your down payment$95,435.91
Closing costs + prepaids$11,509.91
Total buyer cash needed$106,945.82
Remaining funds due$106,945.82
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%)$1,422.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$554.50
Prepaid interest, first (22 days)$516.09
Fees + prepaids$11,509.91
Your down payment is the seller’s equity. You take over the $284,464 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $106,945.82 is due at closing. Uses and sources reconcile at $391,409.91 each. Not a Closing Disclosure.