Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$97,272Cash toward the purchase price.
Closing costs + prepaids$13,799Not just lender fees.
Before credits & paid funds$111,072The complete starting cash picture.
Estimated remaining funds due at closing
$111,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,272.19
Your down payment$97,272.19
Closing costs + prepaids$13,799.49
Total buyer cash needed$111,071.69
Remaining funds due$111,071.69
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,663.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,075.00
Prepaid interest, first (25 days)$1,542.85
Fees + prepaids$13,799.49
Your down payment is the seller’s equity. You take over the $332,728 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $111,071.69 is due at closing. Uses and sources reconcile at $443,799.49 each. Not a Closing Disclosure.