Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$110,760Cash toward the purchase price.
Closing costs + prepaids$12,220Not just lender fees.
Before credits & paid funds$122,980The complete starting cash picture.
Estimated remaining funds due at closing
$122,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,760.17
Your down payment$110,760.17
Closing costs + prepaids$12,219.84
Total buyer cash needed$122,980.01
Remaining funds due$122,980.01
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,421.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$826.75
Prepaid interest, first (31 days)$803.89
Fees + prepaids$12,219.84
Your down payment is the seller’s equity. You take over the $284,240 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $122,980.01 is due at closing. Uses and sources reconcile at $407,219.84 each. Not a Closing Disclosure.