Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$108,462Cash toward the purchase price.
Closing costs + prepaids$13,493Not just lender fees.
Before credits & paid funds$121,955The complete starting cash picture.
Estimated remaining funds due at closing
$121,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,461.80
Your down payment$108,461.80
Closing costs + prepaids$13,493.41
Total buyer cash needed$121,955.21
Remaining funds due$121,955.21
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%)$3,849.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,382.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,419.75
Initial HOA (3 months)$315.00
Prepaid interest, first (26 days)$1,307.98
Fees + prepaids$13,493.41
Your down payment is the seller’s equity. You take over the $276,537 balance, so the rest of the $384,999 price is paid at closing. A second mortgage can cover part of it. $121,955.21 is due at closing. Uses and sources reconcile at $398,492.41 each. Not a Closing Disclosure.