Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$87,948Cash toward the purchase price.
Closing costs + prepaids$13,429Not just lender fees.
Before credits & paid funds$101,377The complete starting cash picture.
Estimated remaining funds due at closing
$101,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,947.79
Your down payment$87,947.79
Closing costs + prepaids$13,428.98
Total buyer cash needed$101,376.77
Remaining funds due$101,376.77
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%)$4,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,605.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,095.00
Prepaid interest, first (24 days)$1,420.72
Fees + prepaids$13,428.98
Your down payment is the seller’s equity. You take over the $321,052 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $101,376.77 is due at closing. Uses and sources reconcile at $422,428.98 each. Not a Closing Disclosure.