Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$91,370Cash toward the purchase price.
Closing costs + prepaids$14,765Not just lender fees.
Before credits & paid funds$106,135The complete starting cash picture.
Estimated remaining funds due at closing
$106,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,369.77
Your down payment$91,369.77
Closing costs + prepaids$14,765.48
Total buyer cash needed$106,135.25
Remaining funds due$106,135.25
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,868.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,194.75
Initial HOA (3 months)$105.00
Prepaid interest, first (22 days)$1,479.58
Fees + prepaids$14,765.48
Your down payment is the seller’s equity. You take over the $373,630 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $106,135.25 is due at closing. Uses and sources reconcile at $479,765.48 each. Not a Closing Disclosure.