Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$90,950Cash toward the purchase price.
Closing costs + prepaids$12,583Not just lender fees.
Before credits & paid funds$103,533The complete starting cash picture.
Estimated remaining funds due at closing
$103,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,950.17
Your down payment$90,950.17
Closing costs + prepaids$12,583.28
Total buyer cash needed$103,533.45
Remaining funds due$103,533.45
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%)$1,470.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$391.75
Prepaid interest, first (31 days)$1,653.29
Fees + prepaids$12,583.28
Your down payment is the seller’s equity. You take over the $294,050 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $103,533.45 is due at closing. Uses and sources reconcile at $397,583.28 each. Not a Closing Disclosure.