Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$93,795Cash toward the purchase price.
Closing costs + prepaids$12,712Not just lender fees.
Before credits & paid funds$106,507The complete starting cash picture.
Estimated remaining funds due at closing
$106,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,794.77
Your down payment$93,794.77
Closing costs + prepaids$12,711.99
Total buyer cash needed$106,506.77
Remaining funds due$106,506.77
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,756.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,167.50
Prepaid interest, first (2 days)$120.47
Fees + prepaids$12,711.99
Your down payment is the seller’s equity. You take over the $351,205 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $106,506.77 is due at closing. Uses and sources reconcile at $457,711.99 each. Not a Closing Disclosure.