Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$94,625Cash toward the purchase price.
Closing costs + prepaids$12,123Not just lender fees.
Before credits & paid funds$106,748The complete starting cash picture.
Estimated remaining funds due at closing
$106,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,625.41
Your down payment$94,625.41
Closing costs + prepaids$12,122.54
Total buyer cash needed$106,747.95
Remaining funds due$106,747.95
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,626.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$636.50
Initial HOA (3 months)$390.00
Prepaid interest, first (2 days)$51.17
Fees + prepaids$12,122.54
Your down payment is the seller’s equity. You take over the $325,375 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $106,747.95 is due at closing. Uses and sources reconcile at $432,122.54 each. Not a Closing Disclosure.