Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$90,781Cash toward the purchase price.
Closing costs + prepaids$12,427Not just lender fees.
Before credits & paid funds$103,208The complete starting cash picture.
Estimated remaining funds due at closing
$103,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,780.91
Your down payment$90,780.91
Closing costs + prepaids$12,426.94
Total buyer cash needed$103,207.85
Remaining funds due$103,207.85
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,620.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$647.25
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$760.84
Fees + prepaids$12,426.94
Your down payment is the seller’s equity. You take over the $324,119 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $103,207.85 is due at closing. Uses and sources reconcile at $427,326.94 each. Not a Closing Disclosure.