Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$85,829Cash toward the purchase price.
Closing costs + prepaids$11,966Not just lender fees.
Before credits & paid funds$97,796The complete starting cash picture.
Estimated remaining funds due at closing
$97,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,829.41
Your down payment$85,829.41
Closing costs + prepaids$11,966.45
Total buyer cash needed$97,795.86
Remaining funds due$97,795.86
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%)$1,570.85
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)$52.85
Fees + prepaids$11,966.45
Your down payment is the seller’s equity. You take over the $314,171 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $97,795.86 is due at closing. Uses and sources reconcile at $411,966.45 each. Not a Closing Disclosure.