Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$96,130Cash toward the purchase price.
Closing costs + prepaids$14,039Not just lender fees.
Before credits & paid funds$110,169The complete starting cash picture.
Estimated remaining funds due at closing
$110,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,129.99
Your down payment$96,129.99
Closing costs + prepaids$14,038.75
Total buyer cash needed$110,168.74
Remaining funds due$110,168.74
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,694.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,361.50
Prepaid interest, first (24 days)$1,414.90
Fees + prepaids$14,038.75
Your down payment is the seller’s equity. You take over the $338,870 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $110,168.74 is due at closing. Uses and sources reconcile at $449,038.75 each. Not a Closing Disclosure.