Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$83,084Cash toward the purchase price.
Closing costs + prepaids$13,467Not just lender fees.
Before credits & paid funds$96,552The complete starting cash picture.
Estimated remaining funds due at closing
$96,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,084.25
Your down payment$83,084.25
Closing costs + prepaids$13,467.29
Total buyer cash needed$96,551.55
Remaining funds due$96,551.55
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,859.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$842.00
Initial HOA (3 months)$58.50
Prepaid interest, first (19 days)$689.22
Fees + prepaids$13,467.29
Your down payment is the seller’s equity. You take over the $371,916 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $96,551.55 is due at closing. Uses and sources reconcile at $468,467.29 each. Not a Closing Disclosure.