Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$94,274Cash toward the purchase price.
Closing costs + prepaids$13,094Not just lender fees.
Before credits & paid funds$107,368The complete starting cash picture.
Estimated remaining funds due at closing
$107,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,273.94
Your down payment$94,273.94
Closing costs + prepaids$13,093.77
Total buyer cash needed$107,367.71
Remaining funds due$107,367.71
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,603.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$594.25
Prepaid interest, first (27 days)$1,527.89
Fees + prepaids$13,093.77
Your down payment is the seller’s equity. You take over the $320,726 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $107,367.71 is due at closing. Uses and sources reconcile at $428,093.77 each. Not a Closing Disclosure.