Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$82,335Cash toward the purchase price.
Closing costs + prepaids$12,818Not just lender fees.
Before credits & paid funds$95,153The complete starting cash picture.
Estimated remaining funds due at closing
$95,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,334.99
Your down payment$82,334.99
Closing costs + prepaids$12,818.17
Total buyer cash needed$95,153.16
Remaining funds due$95,153.16
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,863.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$842.00
Initial HOA (3 months)$58.50
Prepaid interest, first (1 days)$36.35
Fees + prepaids$12,818.17
Your down payment is the seller’s equity. You take over the $372,665 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $95,153.16 is due at closing. Uses and sources reconcile at $467,818.17 each. Not a Closing Disclosure.