Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$101,908Cash toward the purchase price.
Closing costs + prepaids$13,350Not just lender fees.
Before credits & paid funds$115,258The complete starting cash picture.
Estimated remaining funds due at closing
$115,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,908.25
Your down payment$101,908.25
Closing costs + prepaids$13,350.05
Total buyer cash needed$115,258.30
Remaining funds due$115,258.30
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,765.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$689.25
Initial HOA (3 months)$12.51
Prepaid interest, first (30 days)$864.83
Fees + prepaids$13,350.05
Your down payment is the seller’s equity. You take over the $353,092 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $115,258.30 is due at closing. Uses and sources reconcile at $468,350.05 each. Not a Closing Disclosure.