Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$92,695Cash toward the purchase price.
Closing costs + prepaids$12,476Not just lender fees.
Before credits & paid funds$105,172The complete starting cash picture.
Estimated remaining funds due at closing
$105,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,695.39
Your down payment$92,695.39
Closing costs + prepaids$12,476.47
Total buyer cash needed$105,171.86
Remaining funds due$105,171.86
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,586.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$485.00
Initial HOA (3 months)$1,062.00
Prepaid interest, first (1 days)$24.95
Fees + prepaids$12,476.47
Your down payment is the seller’s equity. You take over the $317,305 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $105,171.86 is due at closing. Uses and sources reconcile at $422,476.47 each. Not a Closing Disclosure.