Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$92,764Cash toward the purchase price.
Closing costs + prepaids$12,527Not just lender fees.
Before credits & paid funds$105,292The complete starting cash picture.
Estimated remaining funds due at closing
$105,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,764.33
Your down payment$92,764.33
Closing costs + prepaids$12,527.30
Total buyer cash needed$105,291.63
Remaining funds due$105,291.63
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%)$1,711.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$315.75
Initial HOA (3 months)$72.00
Prepaid interest, first (31 days)$860.37
Fees + prepaids$12,527.30
Your down payment is the seller’s equity. You take over the $342,236 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $105,291.63 is due at closing. Uses and sources reconcile at $447,527.30 each. Not a Closing Disclosure.