Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$78,037Cash toward the purchase price.
Closing costs + prepaids$13,127Not just lender fees.
Before credits & paid funds$91,164The complete starting cash picture.
Estimated remaining funds due at closing
$91,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,037.27
Your down payment$78,037.27
Closing costs + prepaids$13,127.12
Total buyer cash needed$91,164.40
Remaining funds due$91,164.40
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,804.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$271.25
Prepaid interest, first (24 days)$1,443.06
Fees + prepaids$13,127.12
Your down payment is the seller’s equity. You take over the $360,963 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $91,164.40 is due at closing. Uses and sources reconcile at $452,127.12 each. Not a Closing Disclosure.