Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$88,198Cash toward the purchase price.
Closing costs + prepaids$14,015Not just lender fees.
Before credits & paid funds$102,213The complete starting cash picture.
Estimated remaining funds due at closing
$102,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,198.13
Your down payment$88,198.13
Closing costs + prepaids$14,014.64
Total buyer cash needed$102,212.76
Remaining funds due$102,212.76
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,884.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,162.50
Prepaid interest, first (27 days)$850.13
Fees + prepaids$14,014.64
Your down payment is the seller’s equity. You take over the $376,802 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $102,212.76 is due at closing. Uses and sources reconcile at $479,014.64 each. Not a Closing Disclosure.