Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$96,440Cash toward the purchase price.
Closing costs + prepaids$12,154Not just lender fees.
Before credits & paid funds$108,594The complete starting cash picture.
Estimated remaining funds due at closing
$108,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,439.60
Your down payment$96,439.60
Closing costs + prepaids$12,154.48
Total buyer cash needed$108,594.07
Remaining funds due$108,594.07
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,812.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$220.50
Prepaid interest, first (1 days)$63.17
Fees + prepaids$12,154.48
Your down payment is the seller’s equity. You take over the $362,560 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $108,594.07 is due at closing. Uses and sources reconcile at $471,154.48 each. Not a Closing Disclosure.