Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$93,195Cash toward the purchase price.
Closing costs + prepaids$13,747Not just lender fees.
Before credits & paid funds$106,942The complete starting cash picture.
Estimated remaining funds due at closing
$106,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,194.86
Your down payment$93,194.86
Closing costs + prepaids$13,747.25
Total buyer cash needed$106,942.11
Remaining funds due$106,942.11
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%)$1,459.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$962.50
Initial HOA (3 months)$1,482.00
Prepaid interest, first (31 days)$775.72
Fees + prepaids$13,747.25
Your down payment is the seller’s equity. You take over the $291,805 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $106,942.11 is due at closing. Uses and sources reconcile at $398,747.25 each. Not a Closing Disclosure.