Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$93,423Cash toward the purchase price.
Closing costs + prepaids$13,220Not just lender fees.
Before credits & paid funds$106,643The complete starting cash picture.
Estimated remaining funds due at closing
$106,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,423.22
Your down payment$93,423.22
Closing costs + prepaids$13,219.55
Total buyer cash needed$106,642.77
Remaining funds due$106,642.77
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,582.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$485.00
Initial HOA (3 months)$1,062.00
Prepaid interest, first (31 days)$771.67
Fees + prepaids$13,219.55
Your down payment is the seller’s equity. You take over the $316,577 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $106,642.77 is due at closing. Uses and sources reconcile at $423,219.55 each. Not a Closing Disclosure.