Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$95,455Cash toward the purchase price.
Closing costs + prepaids$13,666Not just lender fees.
Before credits & paid funds$109,121The complete starting cash picture.
Estimated remaining funds due at closing
$109,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,455.25
Your down payment$95,455.25
Closing costs + prepaids$13,665.73
Total buyer cash needed$109,120.98
Remaining funds due$109,120.98
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%)$1,597.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,037.50
Prepaid interest, first (30 days)$1,662.51
Fees + prepaids$13,665.73
Your down payment is the seller’s equity. You take over the $319,545 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $109,120.98 is due at closing. Uses and sources reconcile at $428,665.73 each. Not a Closing Disclosure.