Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$94,802Cash toward the purchase price.
Closing costs + prepaids$14,371Not just lender fees.
Before credits & paid funds$109,172The complete starting cash picture.
Estimated remaining funds due at closing
$109,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,801.51
Your down payment$94,801.51
Closing costs + prepaids$14,370.84
Total buyer cash needed$109,172.35
Remaining funds due$109,172.35
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%)$1,450.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,164.25
Initial HOA (3 months)$1,173.00
Prepaid interest, first (30 days)$1,514.60
Fees + prepaids$14,370.84
Your down payment is the seller’s equity. You take over the $290,198 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $109,172.35 is due at closing. Uses and sources reconcile at $399,370.84 each. Not a Closing Disclosure.