Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$85,462Cash toward the purchase price.
Closing costs + prepaids$11,430Not just lender fees.
Before credits & paid funds$96,893The complete starting cash picture.
Estimated remaining funds due at closing
$96,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,462.33
Your down payment$85,462.33
Closing costs + prepaids$11,430.30
Total buyer cash needed$96,892.63
Remaining funds due$96,892.63
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%)$3,929.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,537.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$356.75
Initial HOA (3 months)$261.00
Prepaid interest, first (2 days)$128.37
Fees + prepaids$11,430.30
Your down payment is the seller’s equity. You take over the $307,438 balance, so the rest of the $392,900 price is paid at closing. A second mortgage can cover part of it. $96,892.63 is due at closing. Uses and sources reconcile at $404,330.30 each. Not a Closing Disclosure.