Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$83,859Cash toward the purchase price.
Closing costs + prepaids$13,479Not just lender fees.
Before credits & paid funds$97,339The complete starting cash picture.
Estimated remaining funds due at closing
$97,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,859.21
Your down payment$83,859.21
Closing costs + prepaids$13,479.41
Total buyer cash needed$97,338.61
Remaining funds due$97,338.61
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,655.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,787.75
Prepaid interest, first (31 days)$667.95
Fees + prepaids$13,479.41
Your down payment is the seller’s equity. You take over the $331,141 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $97,338.61 is due at closing. Uses and sources reconcile at $428,479.41 each. Not a Closing Disclosure.