Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$97,346Cash toward the purchase price.
Closing costs + prepaids$13,225Not just lender fees.
Before credits & paid funds$110,571The complete starting cash picture.
Estimated remaining funds due at closing
$110,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,346.21
Your down payment$97,346.21
Closing costs + prepaids$13,224.99
Total buyer cash needed$110,571.20
Remaining funds due$110,571.20
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,758.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$737.00
Initial HOA (3 months)$540.00
Prepaid interest, first (20 days)$481.72
Fees + prepaids$13,224.99
Your down payment is the seller’s equity. You take over the $351,654 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $110,571.20 is due at closing. Uses and sources reconcile at $462,224.99 each. Not a Closing Disclosure.