Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$86,716Cash toward the purchase price.
Closing costs + prepaids$12,307Not just lender fees.
Before credits & paid funds$99,023The complete starting cash picture.
Estimated remaining funds due at closing
$99,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,716.02
Your down payment$86,716.02
Closing costs + prepaids$12,306.70
Total buyer cash needed$99,022.72
Remaining funds due$99,022.72
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$974.75
Initial HOA (3 months)$15.00
Prepaid interest, first (27 days)$684.03
Fees + prepaids$12,306.70
Your down payment is the seller’s equity. You take over the $303,184 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $99,022.72 is due at closing. Uses and sources reconcile at $402,206.70 each. Not a Closing Disclosure.