Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$89,555Cash toward the purchase price.
Closing costs + prepaids$11,935Not just lender fees.
Before credits & paid funds$101,490The complete starting cash picture.
Estimated remaining funds due at closing
$101,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,555.09
Your down payment$89,555.09
Closing costs + prepaids$11,934.51
Total buyer cash needed$101,489.59
Remaining funds due$101,489.59
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,552.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$429.25
Prepaid interest, first (29 days)$735.03
Fees + prepaids$11,934.51
Your down payment is the seller’s equity. You take over the $310,445 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $101,489.59 is due at closing. Uses and sources reconcile at $411,934.51 each. Not a Closing Disclosure.