Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$83,084Cash toward the purchase price.
Closing costs + prepaids$13,721Not just lender fees.
Before credits & paid funds$96,805The complete starting cash picture.
Estimated remaining funds due at closing
$96,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,084.25
Your down payment$83,084.25
Closing costs + prepaids$13,721.22
Total buyer cash needed$96,805.47
Remaining funds due$96,805.47
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,859.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$842.00
Initial HOA (3 months)$58.50
Prepaid interest, first (26 days)$943.14
Fees + prepaids$13,721.22
Your down payment is the seller’s equity. You take over the $371,916 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $96,805.47 is due at closing. Uses and sources reconcile at $468,721.22 each. Not a Closing Disclosure.