Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$86,622Cash toward the purchase price.
Closing costs + prepaids$14,677Not just lender fees.
Before credits & paid funds$101,299The complete starting cash picture.
Estimated remaining funds due at closing
$101,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,621.95
Your down payment$86,621.95
Closing costs + prepaids$14,677.37
Total buyer cash needed$101,299.31
Remaining funds due$101,299.31
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,616.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,091.75
Initial HOA (3 months)$50.01
Prepaid interest, first (30 days)$1,602.22
Fees + prepaids$14,677.37
Your down payment is the seller’s equity. You take over the $323,278 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $101,299.31 is due at closing. Uses and sources reconcile at $424,577.37 each. Not a Closing Disclosure.