Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$84,644Cash toward the purchase price.
Closing costs + prepaids$12,333Not just lender fees.
Before credits & paid funds$96,977The complete starting cash picture.
Estimated remaining funds due at closing
$96,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,643.58
Your down payment$84,643.58
Closing costs + prepaids$12,333.24
Total buyer cash needed$96,976.82
Remaining funds due$96,976.82
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,751.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$522.00
Prepaid interest, first (10 days)$491.46
Fees + prepaids$12,333.24
Your down payment is the seller’s equity. You take over the $350,356 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $96,976.82 is due at closing. Uses and sources reconcile at $447,333.24 each. Not a Closing Disclosure.