Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$93,255Cash toward the purchase price.
Closing costs + prepaids$12,631Not just lender fees.
Before credits & paid funds$105,886The complete starting cash picture.
Estimated remaining funds due at closing
$105,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,254.81
Your down payment$93,254.81
Closing costs + prepaids$12,630.80
Total buyer cash needed$105,885.61
Remaining funds due$105,885.61
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%)$3,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,453.73
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)$1,362.00
Prepaid interest, first (12 days)$296.32
Fees + prepaids$12,630.80
Your down payment is the seller’s equity. You take over the $290,745 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $105,885.61 is due at closing. Uses and sources reconcile at $396,630.80 each. Not a Closing Disclosure.