Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$91,709Cash toward the purchase price.
Closing costs + prepaids$11,737Not just lender fees.
Before credits & paid funds$103,446The complete starting cash picture.
Estimated remaining funds due at closing
$103,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,709.46
Your down payment$91,709.46
Closing costs + prepaids$11,736.55
Total buyer cash needed$103,446.01
Remaining funds due$103,446.01
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%)$1,541.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$417.25
Initial HOA (3 months)$80.01
Prepaid interest, first (19 days)$479.84
Fees + prepaids$11,736.55
Your down payment is the seller’s equity. You take over the $308,291 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $103,446.01 is due at closing. Uses and sources reconcile at $411,736.55 each. Not a Closing Disclosure.