Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$90,549Cash toward the purchase price.
Closing costs + prepaids$13,524Not just lender fees.
Before credits & paid funds$104,072The complete starting cash picture.
Estimated remaining funds due at closing
$104,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,548.61
Your down payment$90,548.61
Closing costs + prepaids$13,523.56
Total buyer cash needed$104,072.17
Remaining funds due$104,072.17
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%)$4,349.89
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,722.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$696.00
Initial HOA (3 months)$825.00
Prepaid interest, first (25 days)$712.47
Fees + prepaids$13,523.56
Your down payment is the seller’s equity. You take over the $344,440 balance, so the rest of the $434,989 price is paid at closing. A second mortgage can cover part of it. $104,072.17 is due at closing. Uses and sources reconcile at $448,512.56 each. Not a Closing Disclosure.