Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$91,795Cash toward the purchase price.
Closing costs + prepaids$12,123Not just lender fees.
Before credits & paid funds$103,918The complete starting cash picture.
Estimated remaining funds due at closing
$103,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,794.52
Your down payment$91,794.52
Closing costs + prepaids$12,123.07
Total buyer cash needed$103,917.59
Remaining funds due$103,917.59
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,616.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$518.75
Prepaid interest, first (15 days)$620.29
Fees + prepaids$12,123.07
Your down payment is the seller’s equity. You take over the $323,205 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $103,917.59 is due at closing. Uses and sources reconcile at $427,123.07 each. Not a Closing Disclosure.