Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$87,364Cash toward the purchase price.
Closing costs + prepaids$13,208Not just lender fees.
Before credits & paid funds$100,572The complete starting cash picture.
Estimated remaining funds due at closing
$100,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,363.60
Your down payment$87,363.60
Closing costs + prepaids$13,208.47
Total buyer cash needed$100,572.07
Remaining funds due$100,572.07
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%)$1,738.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$623.50
Initial HOA (3 months)$690.00
Prepaid interest, first (22 days)$588.79
Fees + prepaids$13,208.47
Your down payment is the seller’s equity. You take over the $347,636 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $100,572.07 is due at closing. Uses and sources reconcile at $448,208.47 each. Not a Closing Disclosure.