Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$87,930Cash toward the purchase price.
Closing costs + prepaids$12,055Not just lender fees.
Before credits & paid funds$99,984The complete starting cash picture.
Estimated remaining funds due at closing
$99,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,929.71
Your down payment$87,929.71
Closing costs + prepaids$12,054.54
Total buyer cash needed$99,984.25
Remaining funds due$99,984.25
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,484.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$798.75
Prepaid interest, first (28 days)$703.94
Fees + prepaids$12,054.54
Your down payment is the seller’s equity. You take over the $296,970 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $99,984.25 is due at closing. Uses and sources reconcile at $396,954.54 each. Not a Closing Disclosure.