Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$94,537Cash toward the purchase price.
Closing costs + prepaids$14,270Not just lender fees.
Before credits & paid funds$108,807The complete starting cash picture.
Estimated remaining funds due at closing
$108,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,536.67
Your down payment$94,536.67
Closing costs + prepaids$14,270.48
Total buyer cash needed$108,807.15
Remaining funds due$108,807.15
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%)$1,677.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,075.00
Initial HOA (3 months)$948.00
Prepaid interest, first (18 days)$1,052.16
Fees + prepaids$14,270.48
Your down payment is the seller’s equity. You take over the $335,463 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $108,807.15 is due at closing. Uses and sources reconcile at $444,270.48 each. Not a Closing Disclosure.