Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$96,730Cash toward the purchase price.
Closing costs + prepaids$13,171Not just lender fees.
Before credits & paid funds$109,901The complete starting cash picture.
Estimated remaining funds due at closing
$109,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,730.11
Your down payment$96,730.11
Closing costs + prepaids$13,171.21
Total buyer cash needed$109,901.32
Remaining funds due$109,901.32
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,816.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$457.25
Initial HOA (3 months)$285.00
Prepaid interest, first (19 days)$544.61
Fees + prepaids$13,171.21
Your down payment is the seller’s equity. You take over the $363,270 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $109,901.32 is due at closing. Uses and sources reconcile at $473,171.21 each. Not a Closing Disclosure.