Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$87,132Cash toward the purchase price.
Closing costs + prepaids$12,912Not just lender fees.
Before credits & paid funds$100,044The complete starting cash picture.
Estimated remaining funds due at closing
$100,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,131.93
Your down payment$87,131.93
Closing costs + prepaids$12,912.23
Total buyer cash needed$100,044.16
Remaining funds due$100,044.16
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%)$1,759.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.50
Prepaid interest, first (31 days)$1,195.39
Fees + prepaids$12,912.23
Your down payment is the seller’s equity. You take over the $351,868 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $100,044.16 is due at closing. Uses and sources reconcile at $451,912.23 each. Not a Closing Disclosure.