Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$97,963Cash toward the purchase price.
Closing costs + prepaids$12,534Not just lender fees.
Before credits & paid funds$110,497The complete starting cash picture.
Estimated remaining funds due at closing
$110,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,963.28
Your down payment$97,963.28
Closing costs + prepaids$12,534.14
Total buyer cash needed$110,497.42
Remaining funds due$110,497.42
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,855.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$489.75
Prepaid interest, first (1 days)$31.21
Fees + prepaids$12,534.14
Your down payment is the seller’s equity. You take over the $371,037 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $110,497.42 is due at closing. Uses and sources reconcile at $481,534.14 each. Not a Closing Disclosure.