Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$77,379Cash toward the purchase price.
Closing costs + prepaids$13,216Not just lender fees.
Before credits & paid funds$90,595The complete starting cash picture.
Estimated remaining funds due at closing
$90,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,379.31
Your down payment$77,379.31
Closing costs + prepaids$13,215.70
Total buyer cash needed$90,595.01
Remaining funds due$90,595.01
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,808.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$343.50
Prepaid interest, first (23 days)$1,456.09
Fees + prepaids$13,215.70
Your down payment is the seller’s equity. You take over the $361,621 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $90,595.01 is due at closing. Uses and sources reconcile at $452,215.70 each. Not a Closing Disclosure.