Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$86,317Cash toward the purchase price.
Closing costs + prepaids$11,962Not just lender fees.
Before credits & paid funds$98,279The complete starting cash picture.
Estimated remaining funds due at closing
$98,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,316.78
Your down payment$86,316.78
Closing costs + prepaids$11,962.39
Total buyer cash needed$98,279.17
Remaining funds due$98,279.17
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,568.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,124.75
Prepaid interest, first (2 days)$51.22
Fees + prepaids$11,962.39
Your down payment is the seller’s equity. You take over the $313,683 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $98,279.17 is due at closing. Uses and sources reconcile at $411,962.39 each. Not a Closing Disclosure.