Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$94,802Cash toward the purchase price.
Closing costs + prepaids$13,967Not just lender fees.
Before credits & paid funds$108,768The complete starting cash picture.
Estimated remaining funds due at closing
$108,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,801.51
Your down payment$94,801.51
Closing costs + prepaids$13,966.95
Total buyer cash needed$108,768.46
Remaining funds due$108,768.46
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%)$1,450.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,164.25
Initial HOA (3 months)$1,173.00
Prepaid interest, first (22 days)$1,110.70
Fees + prepaids$13,966.95
Your down payment is the seller’s equity. You take over the $290,198 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $108,768.46 is due at closing. Uses and sources reconcile at $398,966.95 each. Not a Closing Disclosure.