Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$88,900Cash toward the purchase price.
Closing costs + prepaids$11,655Not just lender fees.
Before credits & paid funds$100,555The complete starting cash picture.
Estimated remaining funds due at closing
$100,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,900.27
Your down payment$88,900.27
Closing costs + prepaids$11,655.15
Total buyer cash needed$100,555.43
Remaining funds due$100,555.43
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,555.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$595.00
Initial HOA (3 months)$261.00
Prepaid interest, first (1 days)$25.66
Fees + prepaids$11,655.15
Your down payment is the seller’s equity. You take over the $311,100 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $100,555.43 is due at closing. Uses and sources reconcile at $411,655.15 each. Not a Closing Disclosure.