Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$73,158Cash toward the purchase price.
Closing costs + prepaids$15,431Not just lender fees.
Before credits & paid funds$88,588The complete starting cash picture.
Estimated remaining funds due at closing
$88,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,157.95
Your down payment$73,157.95
Closing costs + prepaids$15,430.51
Total buyer cash needed$88,588.46
Remaining funds due$88,588.46
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,783.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,074.75
Initial HOA (3 months)$1,623.00
Prepaid interest, first (22 days)$1,432.05
Fees + prepaids$15,430.51
Your down payment is the seller’s equity. You take over the $356,742 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $88,588.46 is due at closing. Uses and sources reconcile at $445,330.51 each. Not a Closing Disclosure.