Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$88,715Cash toward the purchase price.
Closing costs + prepaids$13,655Not just lender fees.
Before credits & paid funds$102,370The complete starting cash picture.
Estimated remaining funds due at closing
$102,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,714.82
Your down payment$88,714.82
Closing costs + prepaids$13,655.49
Total buyer cash needed$102,370.32
Remaining funds due$102,370.32
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%)$4,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,841.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$961.50
Prepaid interest, first (27 days)$814.57
Fees + prepaids$13,655.49
Your down payment is the seller’s equity. You take over the $368,285 balance, so the rest of the $457,000 price is paid at closing. A second mortgage can cover part of it. $102,370.32 is due at closing. Uses and sources reconcile at $470,655.49 each. Not a Closing Disclosure.