Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$76,728Cash toward the purchase price.
Closing costs + prepaids$13,868Not just lender fees.
Before credits & paid funds$90,596The complete starting cash picture.
Estimated remaining funds due at closing
$90,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,728.26
Your down payment$76,728.26
Closing costs + prepaids$13,868.09
Total buyer cash needed$90,596.35
Remaining funds due$90,596.35
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,866.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,165.75
Initial HOA (3 months)$135.00
Prepaid interest, first (27 days)$982.98
Fees + prepaids$13,868.09
Your down payment is the seller’s equity. You take over the $373,272 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $90,596.35 is due at closing. Uses and sources reconcile at $463,868.09 each. Not a Closing Disclosure.