Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$90,467Cash toward the purchase price.
Closing costs + prepaids$14,976Not just lender fees.
Before credits & paid funds$105,443The complete starting cash picture.
Estimated remaining funds due at closing
$105,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,467.17
Your down payment$90,467.17
Closing costs + prepaids$14,976.14
Total buyer cash needed$105,443.30
Remaining funds due$105,443.30
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,692.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,320.75
Initial HOA (3 months)$507.00
Prepaid interest, first (28 days)$1,947.72
Fees + prepaids$14,976.14
Your down payment is the seller’s equity. You take over the $338,533 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $105,443.30 is due at closing. Uses and sources reconcile at $443,976.14 each. Not a Closing Disclosure.