Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$80,383Cash toward the purchase price.
Closing costs + prepaids$12,894Not just lender fees.
Before credits & paid funds$93,277The complete starting cash picture.
Estimated remaining funds due at closing
$93,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,382.71
Your down payment$80,382.71
Closing costs + prepaids$12,894.32
Total buyer cash needed$93,277.03
Remaining funds due$93,277.03
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,873.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$176.00
Prepaid interest, first (26 days)$827.24
Fees + prepaids$12,894.32
Your down payment is the seller’s equity. You take over the $374,617 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $93,277.03 is due at closing. Uses and sources reconcile at $467,894.32 each. Not a Closing Disclosure.