Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$103,955Cash toward the purchase price.
Closing costs + prepaids$11,745Not just lender fees.
Before credits & paid funds$115,699The complete starting cash picture.
Estimated remaining funds due at closing
$115,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,954.59
Your down payment$103,954.59
Closing costs + prepaids$11,744.50
Total buyer cash needed$115,699.10
Remaining funds due$115,699.10
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,455.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,007.25
Prepaid interest, first (5 days)$114.03
Fees + prepaids$11,744.50
Your down payment is the seller’s equity. You take over the $291,045 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $115,699.10 is due at closing. Uses and sources reconcile at $406,744.50 each. Not a Closing Disclosure.