Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$80,299Cash toward the purchase price.
Closing costs + prepaids$13,168Not just lender fees.
Before credits & paid funds$93,467The complete starting cash picture.
Estimated remaining funds due at closing
$93,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,299.49
Your down payment$80,299.49
Closing costs + prepaids$13,167.56
Total buyer cash needed$93,467.05
Remaining funds due$93,467.05
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%)$1,748.00
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 (26 days)$1,591.30
Fees + prepaids$13,167.56
Your down payment is the seller’s equity. You take over the $349,601 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $93,467.05 is due at closing. Uses and sources reconcile at $443,067.56 each. Not a Closing Disclosure.