Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$76,951Cash toward the purchase price.
Closing costs + prepaids$11,889Not just lender fees.
Before credits & paid funds$88,839The complete starting cash picture.
Estimated remaining funds due at closing
$88,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,950.91
Your down payment$76,950.91
Closing costs + prepaids$11,888.51
Total buyer cash needed$88,839.42
Remaining funds due$88,839.42
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$343.50
Prepaid interest, first (2 days)$126.77
Fees + prepaids$11,888.51
Your down payment is the seller’s equity. You take over the $362,049 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $88,839.42 is due at closing. Uses and sources reconcile at $450,888.51 each. Not a Closing Disclosure.