Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$81,024Cash toward the purchase price.
Closing costs + prepaids$12,040Not just lender fees.
Before credits & paid funds$93,064The complete starting cash picture.
Estimated remaining funds due at closing
$93,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,023.89
Your down payment$81,023.89
Closing costs + prepaids$12,040.45
Total buyer cash needed$93,064.34
Remaining funds due$93,064.34
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%)$1,844.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$406.50
Prepaid interest, first (1 days)$71.07
Fees + prepaids$12,040.45
Your down payment is the seller’s equity. You take over the $368,976 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $93,064.34 is due at closing. Uses and sources reconcile at $462,040.45 each. Not a Closing Disclosure.