Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$95,904Cash toward the purchase price.
Closing costs + prepaids$12,688Not just lender fees.
Before credits & paid funds$108,592The complete starting cash picture.
Estimated remaining funds due at closing
$108,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,903.86
Your down payment$95,903.86
Closing costs + prepaids$12,688.19
Total buyer cash needed$108,592.05
Remaining funds due$108,592.05
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,820.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$457.25
Initial HOA (3 months)$285.00
Prepaid interest, first (2 days)$57.46
Fees + prepaids$12,688.19
Your down payment is the seller’s equity. You take over the $364,096 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $108,592.05 is due at closing. Uses and sources reconcile at $472,688.19 each. Not a Closing Disclosure.