Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$91,592Cash toward the purchase price.
Closing costs + prepaids$13,207Not just lender fees.
Before credits & paid funds$104,799The complete starting cash picture.
Estimated remaining funds due at closing
$104,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,591.81
Your down payment$91,591.81
Closing costs + prepaids$13,207.01
Total buyer cash needed$104,798.82
Remaining funds due$104,798.82
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,592.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,096.75
Initial HOA (3 months)$16.26
Prepaid interest, first (26 days)$1,183.96
Fees + prepaids$13,207.01
Your down payment is the seller’s equity. You take over the $318,408 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $104,798.82 is due at closing. Uses and sources reconcile at $423,207.01 each. Not a Closing Disclosure.