Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$116,803Cash toward the purchase price.
Closing costs + prepaids$11,603Not just lender fees.
Before credits & paid funds$128,406The complete starting cash picture.
Estimated remaining funds due at closing
$128,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,803.15
Your down payment$116,803.15
Closing costs + prepaids$11,602.81
Total buyer cash needed$128,405.96
Remaining funds due$128,405.96
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%)$1,340.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,108.75
Initial HOA (3 months)$64.50
Prepaid interest, first (1 days)$20.57
Fees + prepaids$11,602.81
Your down payment is the seller’s equity. You take over the $268,197 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $128,405.96 is due at closing. Uses and sources reconcile at $396,602.81 each. Not a Closing Disclosure.