Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$107,674Cash toward the purchase price.
Closing costs + prepaids$11,764Not just lender fees.
Before credits & paid funds$119,437The complete starting cash picture.
Estimated remaining funds due at closing
$119,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,673.82
Your down payment$107,673.82
Closing costs + prepaids$11,763.55
Total buyer cash needed$119,437.36
Remaining funds due$119,437.36
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%)$1,386.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$323.75
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$730.17
Fees + prepaids$11,763.55
Your down payment is the seller’s equity. You take over the $277,326 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $119,437.36 is due at closing. Uses and sources reconcile at $396,763.55 each. Not a Closing Disclosure.