Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$104,944Cash toward the purchase price.
Closing costs + prepaids$12,434Not just lender fees.
Before credits & paid funds$117,378The complete starting cash picture.
Estimated remaining funds due at closing
$117,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,944.07
Your down payment$104,944.07
Closing costs + prepaids$12,433.57
Total buyer cash needed$117,377.63
Remaining funds due$117,377.63
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,670.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$386.50
Prepaid interest, first (30 days)$768.79
Fees + prepaids$12,433.57
Your down payment is the seller’s equity. You take over the $334,056 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $117,377.63 is due at closing. Uses and sources reconcile at $451,433.57 each. Not a Closing Disclosure.