Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$82,221Cash toward the purchase price.
Closing costs + prepaids$12,505Not just lender fees.
Before credits & paid funds$94,725The complete starting cash picture.
Estimated remaining funds due at closing
$94,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,220.96
Your down payment$82,220.96
Closing costs + prepaids$12,504.52
Total buyer cash needed$94,725.48
Remaining funds due$94,725.48
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%)$3,839.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,508.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$772.00
Prepaid interest, first (27 days)$1,167.13
Fees + prepaids$12,504.52
Your down payment is the seller’s equity. You take over the $301,679 balance, so the rest of the $383,900 price is paid at closing. A second mortgage can cover part of it. $94,725.48 is due at closing. Uses and sources reconcile at $396,404.52 each. Not a Closing Disclosure.