Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$105,623Cash toward the purchase price.
Closing costs + prepaids$10,976Not just lender fees.
Before credits & paid funds$116,599The complete starting cash picture.
Estimated remaining funds due at closing
$116,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,623.19
Your down payment$105,623.19
Closing costs + prepaids$10,975.70
Total buyer cash needed$116,598.90
Remaining funds due$116,598.90
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,366.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$578.50
Prepaid interest, first (1 days)$22.32
Fees + prepaids$10,975.70
Your down payment is the seller’s equity. You take over the $273,377 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $116,598.90 is due at closing. Uses and sources reconcile at $389,975.70 each. Not a Closing Disclosure.