Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$84,786Cash toward the purchase price.
Closing costs + prepaids$13,409Not just lender fees.
Before credits & paid funds$98,195The complete starting cash picture.
Estimated remaining funds due at closing
$98,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,786.03
Your down payment$84,786.03
Closing costs + prepaids$13,409.38
Total buyer cash needed$98,195.41
Remaining funds due$98,195.41
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%)$4,689.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,920.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,172.25
Initial HOA (3 months)$90.00
Prepaid interest, first (1 days)$69.56
Fees + prepaids$13,409.38
Your down payment is the seller’s equity. You take over the $384,114 balance, so the rest of the $468,900 price is paid at closing. A second mortgage can cover part of it. $98,195.41 is due at closing. Uses and sources reconcile at $482,309.38 each. Not a Closing Disclosure.