Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$106,496Cash toward the purchase price.
Closing costs + prepaids$11,298Not just lender fees.
Before credits & paid funds$117,794The complete starting cash picture.
Estimated remaining funds due at closing
$117,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,495.56
Your down payment$106,495.56
Closing costs + prepaids$11,298.05
Total buyer cash needed$117,793.61
Remaining funds due$117,793.61
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,542.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$362.00
Prepaid interest, first (1 days)$25.53
Fees + prepaids$11,298.05
Your down payment is the seller’s equity. You take over the $308,504 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $117,793.61 is due at closing. Uses and sources reconcile at $426,298.05 each. Not a Closing Disclosure.