Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$95,436Cash toward the purchase price.
Closing costs + prepaids$11,698Not just lender fees.
Before credits & paid funds$107,133The complete starting cash picture.
Estimated remaining funds due at closing
$107,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,435.91
Your down payment$95,435.91
Closing costs + prepaids$11,697.58
Total buyer cash needed$107,133.49
Remaining funds due$107,133.49
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,422.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$554.50
Prepaid interest, first (30 days)$703.76
Fees + prepaids$11,697.58
Your down payment is the seller’s equity. You take over the $284,464 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $107,133.49 is due at closing. Uses and sources reconcile at $391,597.58 each. Not a Closing Disclosure.