Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$103,902Cash toward the purchase price.
Closing costs + prepaids$11,115Not just lender fees.
Before credits & paid funds$115,017The complete starting cash picture.
Estimated remaining funds due at closing
$115,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,901.77
Your down payment$103,901.77
Closing costs + prepaids$11,115.08
Total buyer cash needed$115,016.85
Remaining funds due$115,016.85
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%)$1,455.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$434.25
Prepaid interest, first (1 days)$57.34
Fees + prepaids$11,115.08
Your down payment is the seller’s equity. You take over the $291,098 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $115,016.85 is due at closing. Uses and sources reconcile at $406,115.08 each. Not a Closing Disclosure.