Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$100,979Cash toward the purchase price.
Closing costs + prepaids$11,410Not just lender fees.
Before credits & paid funds$112,389The complete starting cash picture.
Estimated remaining funds due at closing
$112,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,979.06
Your down payment$100,979.06
Closing costs + prepaids$11,409.72
Total buyer cash needed$112,388.78
Remaining funds due$112,388.78
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%)$3,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,395.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$950.00
Prepaid interest, first (2 days)$46.63
Fees + prepaids$11,409.72
Your down payment is the seller’s equity. You take over the $279,020 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $112,388.78 is due at closing. Uses and sources reconcile at $391,408.72 each. Not a Closing Disclosure.