Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$91,980Cash toward the purchase price.
Closing costs + prepaids$11,697Not just lender fees.
Before credits & paid funds$103,677The complete starting cash picture.
Estimated remaining funds due at closing
$103,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,979.87
Your down payment$91,979.87
Closing costs + prepaids$11,697.43
Total buyer cash needed$103,677.30
Remaining funds due$103,677.30
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,715.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$315.50
Initial HOA (3 months)$71.01
Prepaid interest, first (1 days)$27.82
Fees + prepaids$11,697.43
Your down payment is the seller’s equity. You take over the $343,020 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $103,677.30 is due at closing. Uses and sources reconcile at $446,697.43 each. Not a Closing Disclosure.