Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,107Cash toward the purchase price.
Closing costs + prepaids$13,280Not just lender fees.
Before credits & paid funds$98,387The complete starting cash picture.
Estimated remaining funds due at closing
$98,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,106.76
Your down payment$85,106.76
Closing costs + prepaids$13,280.10
Total buyer cash needed$98,386.86
Remaining funds due$98,386.86
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,819.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$810.50
Prepaid interest, first (27 days)$942.13
Fees + prepaids$13,280.10
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $98,386.86 is due at closing. Uses and sources reconcile at $462,280.10 each. Not a Closing Disclosure.