Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$78,881Cash toward the purchase price.
Closing costs + prepaids$12,539Not just lender fees.
Before credits & paid funds$91,420The complete starting cash picture.
Estimated remaining funds due at closing
$91,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,880.64
Your down payment$78,880.64
Closing costs + prepaids$12,538.97
Total buyer cash needed$91,419.61
Remaining funds due$91,419.61
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%)$1,780.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$522.00
Initial HOA (3 months)$210.00
Prepaid interest, first (9 days)$458.37
Fees + prepaids$12,538.97
Your down payment is the seller’s equity. You take over the $356,119 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $91,419.61 is due at closing. Uses and sources reconcile at $447,538.97 each. Not a Closing Disclosure.