Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$89,044Cash toward the purchase price.
Closing costs + prepaids$12,213Not just lender fees.
Before credits & paid funds$101,257The complete starting cash picture.
Estimated remaining funds due at closing
$101,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,044.36
Your down payment$89,044.36
Closing costs + prepaids$12,212.61
Total buyer cash needed$101,256.97
Remaining funds due$101,256.97
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,479.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$844.75
Prepaid interest, first (26 days)$820.08
Fees + prepaids$12,212.61
Your down payment is the seller’s equity. You take over the $295,956 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $101,256.97 is due at closing. Uses and sources reconcile at $397,212.61 each. Not a Closing Disclosure.