Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$105,017Cash toward the purchase price.
Closing costs + prepaids$11,177Not just lender fees.
Before credits & paid funds$116,194The complete starting cash picture.
Estimated remaining funds due at closing
$116,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,016.53
Your down payment$105,016.53
Closing costs + prepaids$11,177.16
Total buyer cash needed$116,193.70
Remaining funds due$116,193.70
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%)$3,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,359.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$452.50
Initial HOA (3 months)$195.00
Prepaid interest, first (9 days)$181.74
Fees + prepaids$11,177.16
Your down payment is the seller’s equity. You take over the $271,983 balance, so the rest of the $377,000 price is paid at closing. A second mortgage can cover part of it. $116,193.70 is due at closing. Uses and sources reconcile at $388,177.16 each. Not a Closing Disclosure.