Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$87,642Cash toward the purchase price.
Closing costs + prepaids$13,371Not just lender fees.
Before credits & paid funds$101,012The complete starting cash picture.
Estimated remaining funds due at closing
$101,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,641.61
Your down payment$87,641.61
Closing costs + prepaids$13,370.65
Total buyer cash needed$101,012.26
Remaining funds due$101,012.26
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,856.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$573.75
Prepaid interest, first (15 days)$882.10
Fees + prepaids$13,370.65
Your down payment is the seller’s equity. You take over the $371,358 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $101,012.26 is due at closing. Uses and sources reconcile at $472,370.65 each. Not a Closing Disclosure.