Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$88,169Cash toward the purchase price.
Closing costs + prepaids$14,299Not just lender fees.
Before credits & paid funds$102,468The complete starting cash picture.
Estimated remaining funds due at closing
$102,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,169.11
Your down payment$88,169.11
Closing costs + prepaids$14,299.09
Total buyer cash needed$102,468.20
Remaining funds due$102,468.20
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,809.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,659.25
Initial HOA (3 months)$299.01
Prepaid interest, first (27 days)$813.67
Fees + prepaids$14,299.09
Your down payment is the seller’s equity. You take over the $361,831 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $102,468.20 is due at closing. Uses and sources reconcile at $464,299.09 each. Not a Closing Disclosure.