Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$84,031Cash toward the purchase price.
Closing costs + prepaids$13,545Not just lender fees.
Before credits & paid funds$97,577The complete starting cash picture.
Estimated remaining funds due at closing
$97,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,031.49
Your down payment$84,031.49
Closing costs + prepaids$13,545.03
Total buyer cash needed$97,576.52
Remaining funds due$97,576.52
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%)$1,754.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$448.00
Initial HOA (3 months)$258.00
Prepaid interest, first (24 days)$1,516.18
Fees + prepaids$13,545.03
Your down payment is the seller’s equity. You take over the $350,969 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $97,576.52 is due at closing. Uses and sources reconcile at $448,545.03 each. Not a Closing Disclosure.