Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$91,005Cash toward the purchase price.
Closing costs + prepaids$14,372Not just lender fees.
Before credits & paid funds$105,377The complete starting cash picture.
Estimated remaining funds due at closing
$105,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,005.04
Your down payment$91,005.04
Closing costs + prepaids$14,371.77
Total buyer cash needed$105,376.81
Remaining funds due$105,376.81
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,794.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,125.00
Prepaid interest, first (26 days)$1,733.80
Fees + prepaids$14,371.77
Your down payment is the seller’s equity. You take over the $358,995 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $105,376.81 is due at closing. Uses and sources reconcile at $464,371.77 each. Not a Closing Disclosure.