Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$104,192Cash toward the purchase price.
Closing costs + prepaids$12,431Not just lender fees.
Before credits & paid funds$116,623The complete starting cash picture.
Estimated remaining funds due at closing
$116,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,191.94
Your down payment$104,191.94
Closing costs + prepaids$12,431.14
Total buyer cash needed$116,623.07
Remaining funds due$116,623.07
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,454.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$434.25
Prepaid interest, first (24 days)$1,374.84
Fees + prepaids$12,431.14
Your down payment is the seller’s equity. You take over the $290,808 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $116,623.07 is due at closing. Uses and sources reconcile at $407,431.14 each. Not a Closing Disclosure.