Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$90,599Cash toward the purchase price.
Closing costs + prepaids$12,165Not just lender fees.
Before credits & paid funds$102,763The complete starting cash picture.
Estimated remaining funds due at closing
$102,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,598.53
Your down payment$90,598.53
Closing costs + prepaids$12,164.53
Total buyer cash needed$102,763.06
Remaining funds due$102,763.06
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,797.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.00
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$30.52
Fees + prepaids$12,164.53
Your down payment is the seller’s equity. You take over the $359,401 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $102,763.06 is due at closing. Uses and sources reconcile at $462,164.53 each. Not a Closing Disclosure.