Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$82,993Cash toward the purchase price.
Closing costs + prepaids$13,540Not just lender fees.
Before credits & paid funds$96,533The complete starting cash picture.
Estimated remaining funds due at closing
$96,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,992.73
Your down payment$82,992.73
Closing costs + prepaids$13,540.27
Total buyer cash needed$96,533.00
Remaining funds due$96,533.00
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,735.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,132.25
Initial HOA (3 months)$171.00
Prepaid interest, first (30 days)$983.98
Fees + prepaids$13,540.27
Your down payment is the seller’s equity. You take over the $347,007 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $96,533.00 is due at closing. Uses and sources reconcile at $443,540.27 each. Not a Closing Disclosure.