Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$102,673Cash toward the purchase price.
Closing costs + prepaids$11,431Not just lender fees.
Before credits & paid funds$114,104The complete starting cash picture.
Estimated remaining funds due at closing
$114,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,672.82
Your down payment$102,672.82
Closing costs + prepaids$11,430.89
Total buyer cash needed$114,103.71
Remaining funds due$114,103.71
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%)$3,799.99
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 (19 days)$447.52
Fees + prepaids$11,430.89
Your down payment is the seller’s equity. You take over the $277,326 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $114,103.71 is due at closing. Uses and sources reconcile at $391,429.89 each. Not a Closing Disclosure.