Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$80,299Cash toward the purchase price.
Closing costs + prepaids$13,474Not just lender fees.
Before credits & paid funds$93,773The complete starting cash picture.
Estimated remaining funds due at closing
$93,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,299.49
Your down payment$80,299.49
Closing costs + prepaids$13,473.58
Total buyer cash needed$93,773.07
Remaining funds due$93,773.07
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,748.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$311.25
Prepaid interest, first (31 days)$1,897.33
Fees + prepaids$13,473.58
Your down payment is the seller’s equity. You take over the $349,601 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $93,773.07 is due at closing. Uses and sources reconcile at $443,373.58 each. Not a Closing Disclosure.