Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$77,720Cash toward the purchase price.
Closing costs + prepaids$12,146Not just lender fees.
Before credits & paid funds$89,866The complete starting cash picture.
Estimated remaining funds due at closing
$89,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,720.07
Your down payment$77,720.07
Closing costs + prepaids$12,145.63
Total buyer cash needed$89,865.70
Remaining funds due$89,865.70
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%)$3,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,531.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$109.75
Prepaid interest, first (26 days)$1,446.48
Fees + prepaids$12,145.63
Your down payment is the seller’s equity. You take over the $306,280 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $89,865.70 is due at closing. Uses and sources reconcile at $396,145.63 each. Not a Closing Disclosure.