Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$83,108Cash toward the purchase price.
Closing costs + prepaids$12,688Not just lender fees.
Before credits & paid funds$95,796The complete starting cash picture.
Estimated remaining funds due at closing
$95,796No 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$12,688.07
Total buyer cash needed$95,795.59
Remaining funds due$95,795.59
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 (18 days)$631.11
Fees + prepaids$12,688.07
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. $95,795.59 is due at closing. Uses and sources reconcile at $402,688.07 each. Not a Closing Disclosure.