Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$83,699Cash toward the purchase price.
Closing costs + prepaids$13,504Not just lender fees.
Before credits & paid funds$97,204The complete starting cash picture.
Estimated remaining funds due at closing
$97,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,699.18
Your down payment$83,699.18
Closing costs + prepaids$13,504.37
Total buyer cash needed$97,203.55
Remaining funds due$97,203.55
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,681.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$819.00
Prepaid interest, first (26 days)$1,585.87
Fees + prepaids$13,504.37
Your down payment is the seller’s equity. You take over the $336,301 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $97,203.55 is due at closing. Uses and sources reconcile at $433,504.37 each. Not a Closing Disclosure.