Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$113,753Cash toward the purchase price.
Closing costs + prepaids$13,367Not just lender fees.
Before credits & paid funds$127,121The complete starting cash picture.
Estimated remaining funds due at closing
$127,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,753.37
Your down payment$113,753.37
Closing costs + prepaids$13,367.36
Total buyer cash needed$127,120.73
Remaining funds due$127,120.73
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%)$1,676.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$545.00
Initial HOA (3 months)$200.01
Prepaid interest, first (20 days)$1,238.12
Fees + prepaids$13,367.36
Your down payment is the seller’s equity. You take over the $335,247 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $127,120.73 is due at closing. Uses and sources reconcile at $462,367.36 each. Not a Closing Disclosure.