Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$93,446Cash toward the purchase price.
Closing costs + prepaids$12,702Not just lender fees.
Before credits & paid funds$106,147The complete starting cash picture.
Estimated remaining funds due at closing
$106,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,445.55
Your down payment$93,445.55
Closing costs + prepaids$12,701.60
Total buyer cash needed$106,147.14
Remaining funds due$106,147.14
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,857.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$656.50
Prepaid interest, first (1 days)$69.32
Fees + prepaids$12,701.60
Your down payment is the seller’s equity. You take over the $371,554 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $106,147.14 is due at closing. Uses and sources reconcile at $477,701.60 each. Not a Closing Disclosure.