Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$89,270Cash toward the purchase price.
Closing costs + prepaids$13,585Not just lender fees.
Before credits & paid funds$102,855The complete starting cash picture.
Estimated remaining funds due at closing
$102,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,270.38
Your down payment$89,270.38
Closing costs + prepaids$13,584.87
Total buyer cash needed$102,855.25
Remaining funds due$102,855.25
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%)$1,878.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$728.75
Initial HOA (3 months)$90.00
Prepaid interest, first (26 days)$769.47
Fees + prepaids$13,584.87
Your down payment is the seller’s equity. You take over the $375,730 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $102,855.25 is due at closing. Uses and sources reconcile at $478,584.87 each. Not a Closing Disclosure.