Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$86,320Cash toward the purchase price.
Closing costs + prepaids$11,727Not just lender fees.
Before credits & paid funds$98,047The complete starting cash picture.
Estimated remaining funds due at closing
$98,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,320.13
Your down payment$86,320.13
Closing costs + prepaids$11,726.89
Total buyer cash needed$98,047.02
Remaining funds due$98,047.02
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,493.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$572.25
Initial HOA (3 months)$570.00
Prepaid interest, first (1 days)$23.24
Fees + prepaids$11,726.89
Your down payment is the seller’s equity. You take over the $298,680 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $98,047.02 is due at closing. Uses and sources reconcile at $396,726.89 each. Not a Closing Disclosure.