Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$86,101Cash toward the purchase price.
Closing costs + prepaids$12,790Not just lender fees.
Before credits & paid funds$98,891The complete starting cash picture.
Estimated remaining funds due at closing
$98,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,101.35
Your down payment$86,101.35
Closing costs + prepaids$12,789.62
Total buyer cash needed$98,890.97
Remaining funds due$98,890.97
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,668.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$59.75
Initial HOA (3 months)$107.49
Prepaid interest, first (25 days)$1,536.39
Fees + prepaids$12,789.62
Your down payment is the seller’s equity. You take over the $333,799 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $98,890.97 is due at closing. Uses and sources reconcile at $432,689.62 each. Not a Closing Disclosure.