Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$115,776Cash toward the purchase price.
Closing costs + prepaids$11,796Not just lender fees.
Before credits & paid funds$127,573The complete starting cash picture.
Estimated remaining funds due at closing
$127,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,776.48
Your down payment$115,776.48
Closing costs + prepaids$11,796.04
Total buyer cash needed$127,572.52
Remaining funds due$127,572.52
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,366.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,064.25
Initial HOA (3 months)$214.26
Prepaid interest, first (2 days)$43.42
Fees + prepaids$11,796.04
Your down payment is the seller’s equity. You take over the $273,224 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $127,572.52 is due at closing. Uses and sources reconcile at $400,796.04 each. Not a Closing Disclosure.