Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$101,589Cash toward the purchase price.
Closing costs + prepaids$11,895Not just lender fees.
Before credits & paid funds$113,484The complete starting cash picture.
Estimated remaining funds due at closing
$113,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,588.62
Your down payment$101,588.62
Closing costs + prepaids$11,895.12
Total buyer cash needed$113,483.75
Remaining funds due$113,483.75
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%)$3,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,392.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$950.00
Prepaid interest, first (23 days)$535.08
Fees + prepaids$11,895.12
Your down payment is the seller’s equity. You take over the $278,410 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $113,483.75 is due at closing. Uses and sources reconcile at $391,894.12 each. Not a Closing Disclosure.