Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$81,038Cash toward the purchase price.
Closing costs + prepaids$11,903Not just lender fees.
Before credits & paid funds$92,942The complete starting cash picture.
Estimated remaining funds due at closing
$92,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,038.43
Your down payment$81,038.43
Closing costs + prepaids$11,903.14
Total buyer cash needed$92,941.57
Remaining funds due$92,941.57
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,819.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$357.50
Prepaid interest, first (2 days)$57.83
Fees + prepaids$11,903.14
Your down payment is the seller’s equity. You take over the $363,962 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $92,941.57 is due at closing. Uses and sources reconcile at $456,903.14 each. Not a Closing Disclosure.