Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$81,382Cash toward the purchase price.
Closing costs + prepaids$13,743Not just lender fees.
Before credits & paid funds$95,125The complete starting cash picture.
Estimated remaining funds due at closing
$95,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,382.03
Your down payment$81,382.03
Closing costs + prepaids$13,742.51
Total buyer cash needed$95,124.54
Remaining funds due$95,124.54
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,843.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$406.50
Prepaid interest, first (25 days)$1,774.92
Fees + prepaids$13,742.51
Your down payment is the seller’s equity. You take over the $368,618 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $95,124.54 is due at closing. Uses and sources reconcile at $463,742.51 each. Not a Closing Disclosure.