Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,179Cash toward the purchase price.
Closing costs + prepaids$14,181Not just lender fees.
Before credits & paid funds$89,360The complete starting cash picture.
Estimated remaining funds due at closing
$89,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,179.06
Your down payment$75,179.06
Closing costs + prepaids$14,180.85
Total buyer cash needed$89,359.91
Remaining funds due$89,359.91
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,774.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$332.00
Initial HOA (3 months)$390.00
Prepaid interest, first (31 days)$2,166.74
Fees + prepaids$14,180.85
Your down payment is the seller’s equity. You take over the $354,821 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $89,359.91 is due at closing. Uses and sources reconcile at $444,180.85 each. Not a Closing Disclosure.