Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$75,336Cash toward the purchase price.
Closing costs + prepaids$13,414Not just lender fees.
Before credits & paid funds$88,750The complete starting cash picture.
Estimated remaining funds due at closing
$88,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,335.99
Your down payment$75,335.99
Closing costs + prepaids$13,413.79
Total buyer cash needed$88,749.78
Remaining funds due$88,749.78
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,773.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,075.00
Prepaid interest, first (28 days)$1,047.47
Fees + prepaids$13,413.79
Your down payment is the seller’s equity. You take over the $354,664 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $88,749.78 is due at closing. Uses and sources reconcile at $443,413.79 each. Not a Closing Disclosure.