Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$84,319Cash toward the purchase price.
Closing costs + prepaids$14,078Not just lender fees.
Before credits & paid funds$98,397The complete starting cash picture.
Estimated remaining funds due at closing
$98,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,319.13
Your down payment$84,319.13
Closing costs + prepaids$14,078.26
Total buyer cash needed$98,397.39
Remaining funds due$98,397.39
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%)$4,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,793.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$452.00
Initial HOA (3 months)$156.00
Prepaid interest, first (31 days)$2,028.86
Fees + prepaids$14,078.26
Your down payment is the seller’s equity. You take over the $358,681 balance, so the rest of the $443,000 price is paid at closing. A second mortgage can cover part of it. $98,397.39 is due at closing. Uses and sources reconcile at $457,078.26 each. Not a Closing Disclosure.