Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$96,930Cash toward the purchase price.
Closing costs + prepaids$12,363Not just lender fees.
Before credits & paid funds$109,293The complete starting cash picture.
Estimated remaining funds due at closing
$109,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,929.98
Your down payment$96,929.98
Closing costs + prepaids$12,363.08
Total buyer cash needed$109,293.06
Remaining funds due$109,293.06
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,389.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$615.00
Initial HOA (3 months)$24.99
Prepaid interest, first (26 days)$1,366.24
Fees + prepaids$12,363.08
Your down payment is the seller’s equity. You take over the $277,970 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $109,293.06 is due at closing. Uses and sources reconcile at $387,263.08 each. Not a Closing Disclosure.