Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$83,108Cash toward the purchase price.
Closing costs + prepaids$13,144Not just lender fees.
Before credits & paid funds$96,251The complete starting cash picture.
Estimated remaining funds due at closing
$96,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,107.53
Your down payment$83,107.53
Closing costs + prepaids$13,143.87
Total buyer cash needed$96,251.39
Remaining funds due$96,251.39
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,534.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$324.50
Initial HOA (3 months)$1,080.00
Prepaid interest, first (31 days)$1,086.90
Fees + prepaids$13,143.87
Your down payment is the seller’s equity. You take over the $306,892 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $96,251.39 is due at closing. Uses and sources reconcile at $403,143.87 each. Not a Closing Disclosure.