Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$91,886Cash toward the purchase price.
Closing costs + prepaids$12,242Not just lender fees.
Before credits & paid funds$104,128The complete starting cash picture.
Estimated remaining funds due at closing
$104,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,885.92
Your down payment$91,885.92
Closing costs + prepaids$12,242.02
Total buyer cash needed$104,127.93
Remaining funds due$104,127.93
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,540.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$368.50
Prepaid interest, first (21 days)$1,116.45
Fees + prepaids$12,242.02
Your down payment is the seller’s equity. You take over the $308,014 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $104,127.93 is due at closing. Uses and sources reconcile at $412,142.02 each. Not a Closing Disclosure.