Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$93,195Cash toward the purchase price.
Closing costs + prepaids$13,547Not just lender fees.
Before credits & paid funds$106,742The complete starting cash picture.
Estimated remaining funds due at closing
$106,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,194.86
Your down payment$93,194.86
Closing costs + prepaids$13,547.06
Total buyer cash needed$106,741.92
Remaining funds due$106,741.92
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,459.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$962.50
Initial HOA (3 months)$1,482.00
Prepaid interest, first (23 days)$575.54
Fees + prepaids$13,547.06
Your down payment is the seller’s equity. You take over the $291,805 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $106,741.92 is due at closing. Uses and sources reconcile at $398,547.06 each. Not a Closing Disclosure.