Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$106,839Cash toward the purchase price.
Closing costs + prepaids$11,681Not just lender fees.
Before credits & paid funds$118,519The complete starting cash picture.
Estimated remaining funds due at closing
$118,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,838.98
Your down payment$106,838.98
Closing costs + prepaids$11,680.52
Total buyer cash needed$118,519.50
Remaining funds due$118,519.50
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%)$3,839.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,385.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$460.75
Initial HOA (3 months)$166.26
Prepaid interest, first (12 days)$611.20
Fees + prepaids$11,680.52
Your down payment is the seller’s equity. You take over the $277,061 balance, so the rest of the $383,900 price is paid at closing. A second mortgage can cover part of it. $118,519.50 is due at closing. Uses and sources reconcile at $395,580.52 each. Not a Closing Disclosure.