Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$81,227Cash toward the purchase price.
Closing costs + prepaids$13,719Not just lender fees.
Before credits & paid funds$94,945The complete starting cash picture.
Estimated remaining funds due at closing
$94,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,226.83
Your down payment$81,226.83
Closing costs + prepaids$13,718.66
Total buyer cash needed$94,945.49
Remaining funds due$94,945.49
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%)$1,743.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$931.75
Prepaid interest, first (24 days)$1,525.05
Fees + prepaids$13,718.66
Your down payment is the seller’s equity. You take over the $348,773 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $94,945.49 is due at closing. Uses and sources reconcile at $443,718.66 each. Not a Closing Disclosure.