Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$78,341Cash toward the purchase price.
Closing costs + prepaids$12,059Not just lender fees.
Before credits & paid funds$90,400The complete starting cash picture.
Estimated remaining funds due at closing
$90,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,340.79
Your down payment$78,340.79
Closing costs + prepaids$12,059.30
Total buyer cash needed$90,400.10
Remaining funds due$90,400.10
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%)$1,783.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$447.00
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$51.01
Fees + prepaids$12,059.30
Your down payment is the seller’s equity. You take over the $356,659 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $90,400.10 is due at closing. Uses and sources reconcile at $447,059.30 each. Not a Closing Disclosure.