Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$83,177Cash toward the purchase price.
Closing costs + prepaids$13,478Not just lender fees.
Before credits & paid funds$96,655The complete starting cash picture.
Estimated remaining funds due at closing
$96,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,177.46
Your down payment$83,177.46
Closing costs + prepaids$13,477.97
Total buyer cash needed$96,655.43
Remaining funds due$96,655.43
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%)$4,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,684.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,129.50
Initial HOA (3 months)$275.01
Prepaid interest, first (28 days)$971.50
Fees + prepaids$13,477.97
Your down payment is the seller’s equity. You take over the $336,813 balance, so the rest of the $419,990 price is paid at closing. A second mortgage can cover part of it. $96,655.43 is due at closing. Uses and sources reconcile at $433,467.97 each. Not a Closing Disclosure.