Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$105,906Cash toward the purchase price.
Closing costs + prepaids$11,814Not just lender fees.
Before credits & paid funds$117,720The complete starting cash picture.
Estimated remaining funds due at closing
$117,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,906.46
Your down payment$105,906.46
Closing costs + prepaids$11,813.94
Total buyer cash needed$117,720.40
Remaining funds due$117,720.40
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%)$3,974.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,457.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$710.25
Initial HOA (3 months)$408.00
Prepaid interest, first (2 days)$44.74
Fees + prepaids$11,813.94
Your down payment is the seller’s equity. You take over the $291,593 balance, so the rest of the $397,499 price is paid at closing. A second mortgage can cover part of it. $117,720.40 is due at closing. Uses and sources reconcile at $409,312.94 each. Not a Closing Disclosure.