Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$105,798Cash toward the purchase price.
Closing costs + prepaids$13,713Not just lender fees.
Before credits & paid funds$119,511The complete starting cash picture.
Estimated remaining funds due at closing
$119,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,798.17
Your down payment$105,798.17
Closing costs + prepaids$13,712.77
Total buyer cash needed$119,510.94
Remaining funds due$119,510.94
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%)$1,396.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,411.00
Prepaid interest, first (31 days)$1,837.76
Fees + prepaids$13,712.77
Your down payment is the seller’s equity. You take over the $279,202 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $119,510.94 is due at closing. Uses and sources reconcile at $398,712.77 each. Not a Closing Disclosure.