Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$82,161Cash toward the purchase price.
Closing costs + prepaids$13,797Not just lender fees.
Before credits & paid funds$95,959The complete starting cash picture.
Estimated remaining funds due at closing
$95,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,161.39
Your down payment$82,161.39
Closing costs + prepaids$13,797.37
Total buyer cash needed$95,958.75
Remaining funds due$95,958.75
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,914.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$866.50
Prepaid interest, first (28 days)$898.67
Fees + prepaids$13,797.37
Your down payment is the seller’s equity. You take over the $382,839 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $95,958.75 is due at closing. Uses and sources reconcile at $478,797.37 each. Not a Closing Disclosure.