Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$79,883Cash toward the purchase price.
Closing costs + prepaids$11,640Not just lender fees.
Before credits & paid funds$91,522The complete starting cash picture.
Estimated remaining funds due at closing
$91,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,882.63
Your down payment$79,882.63
Closing costs + prepaids$11,639.61
Total buyer cash needed$91,522.24
Remaining funds due$91,522.24
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,750.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$311.25
Prepaid interest, first (1 days)$61.28
Fees + prepaids$11,639.61
Your down payment is the seller’s equity. You take over the $350,017 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $91,522.24 is due at closing. Uses and sources reconcile at $441,539.61 each. Not a Closing Disclosure.