Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$74,823Cash toward the purchase price.
Closing costs + prepaids$12,086Not just lender fees.
Before credits & paid funds$86,908The complete starting cash picture.
Estimated remaining funds due at closing
$86,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,822.54
Your down payment$74,822.54
Closing costs + prepaids$12,085.85
Total buyer cash needed$86,908.39
Remaining funds due$86,908.39
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,775.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$332.00
Initial HOA (3 months)$390.00
Prepaid interest, first (1 days)$69.97
Fees + prepaids$12,085.85
Your down payment is the seller’s equity. You take over the $355,177 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $86,908.39 is due at closing. Uses and sources reconcile at $442,085.85 each. Not a Closing Disclosure.