Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$91,905Cash toward the purchase price.
Closing costs + prepaids$10,975Not just lender fees.
Before credits & paid funds$102,881The complete starting cash picture.
Estimated remaining funds due at closing
$102,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,905.49
Your down payment$91,905.49
Closing costs + prepaids$10,975.19
Total buyer cash needed$102,880.68
Remaining funds due$102,880.68
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%)$3,698.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,389.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$624.50
Prepaid interest, first (2 days)$43.87
Fees + prepaids$10,975.19
Your down payment is the seller’s equity. You take over the $277,985 balance, so the rest of the $369,890 price is paid at closing. A second mortgage can cover part of it. $102,880.68 is due at closing. Uses and sources reconcile at $380,865.19 each. Not a Closing Disclosure.