Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$74,627Cash toward the purchase price.
Closing costs + prepaids$13,685Not just lender fees.
Before credits & paid funds$88,312The complete starting cash picture.
Estimated remaining funds due at closing
$88,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,626.54
Your down payment$74,626.54
Closing costs + prepaids$13,685.08
Total buyer cash needed$88,311.62
Remaining funds due$88,311.62
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,751.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$530.00
Initial HOA (3 months)$555.00
Prepaid interest, first (23 days)$1,381.71
Fees + prepaids$13,685.08
Your down payment is the seller’s equity. You take over the $350,273 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $88,311.62 is due at closing. Uses and sources reconcile at $438,585.08 each. Not a Closing Disclosure.