Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$89,730Cash toward the purchase price.
Closing costs + prepaids$13,027Not just lender fees.
Before credits & paid funds$102,757The complete starting cash picture.
Estimated remaining funds due at closing
$102,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,729.87
Your down payment$89,729.87
Closing costs + prepaids$13,026.84
Total buyer cash needed$102,756.71
Remaining funds due$102,756.71
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,651.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$333.75
Initial HOA (3 months)$210.00
Prepaid interest, first (21 days)$1,413.74
Fees + prepaids$13,026.84
Your down payment is the seller’s equity. You take over the $330,270 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $102,756.71 is due at closing. Uses and sources reconcile at $433,026.84 each. Not a Closing Disclosure.