Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$72,596Cash toward the purchase price.
Closing costs + prepaids$11,590Not just lender fees.
Before credits & paid funds$84,186The complete starting cash picture.
Estimated remaining funds due at closing
$84,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,596.13
Your down payment$72,596.13
Closing costs + prepaids$11,589.69
Total buyer cash needed$84,185.83
Remaining funds due$84,185.83
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%)$1,562.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$462.00
Initial HOA (3 months)$273.00
Prepaid interest, first (10 days)$224.67
Fees + prepaids$11,589.69
Your down payment is the seller’s equity. You take over the $312,404 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $84,185.83 is due at closing. Uses and sources reconcile at $396,589.69 each. Not a Closing Disclosure.