Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$86,633Cash toward the purchase price.
Closing costs + prepaids$12,369Not just lender fees.
Before credits & paid funds$99,002The complete starting cash picture.
Estimated remaining funds due at closing
$99,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,632.77
Your down payment$86,632.77
Closing costs + prepaids$12,368.94
Total buyer cash needed$99,001.71
Remaining funds due$99,001.71
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,766.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$528.00
Initial HOA (3 months)$186.00
Prepaid interest, first (9 days)$270.11
Fees + prepaids$12,368.94
Your down payment is the seller’s equity. You take over the $353,367 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $99,001.71 is due at closing. Uses and sources reconcile at $452,368.94 each. Not a Closing Disclosure.