Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$82,330Cash toward the purchase price.
Closing costs + prepaids$14,885Not just lender fees.
Before credits & paid funds$97,215The complete starting cash picture.
Estimated remaining funds due at closing
$97,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,330.32
Your down payment$82,330.32
Closing costs + prepaids$14,884.74
Total buyer cash needed$97,215.06
Remaining funds due$97,215.06
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,883.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,340.00
Initial HOA (3 months)$900.00
Prepaid interest, first (24 days)$703.39
Fees + prepaids$14,884.74
Your down payment is the seller’s equity. You take over the $376,670 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $97,215.06 is due at closing. Uses and sources reconcile at $473,884.74 each. Not a Closing Disclosure.