Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$105,615Cash toward the purchase price.
Closing costs + prepaids$11,657Not just lender fees.
Before credits & paid funds$117,272The complete starting cash picture.
Estimated remaining funds due at closing
$117,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,615.16
Your down payment$105,615.16
Closing costs + prepaids$11,656.98
Total buyer cash needed$117,272.15
Remaining funds due$117,272.15
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%)$1,471.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$842.25
Initial HOA (3 months)$99.00
Prepaid interest, first (1 days)$25.81
Fees + prepaids$11,656.98
Your down payment is the seller’s equity. You take over the $294,385 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $117,272.15 is due at closing. Uses and sources reconcile at $411,656.98 each. Not a Closing Disclosure.