Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$104,582Cash toward the purchase price.
Closing costs + prepaids$13,808Not just lender fees.
Before credits & paid funds$118,390The complete starting cash picture.
Estimated remaining funds due at closing
$118,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,581.82
Your down payment$104,581.82
Closing costs + prepaids$13,807.70
Total buyer cash needed$118,389.53
Remaining funds due$118,389.53
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%)$4,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,727.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$101.50
Initial HOA (3 months)$450.00
Prepaid interest, first (30 days)$1,811.26
Fees + prepaids$13,807.70
Your down payment is the seller’s equity. You take over the $345,408 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $118,389.53 is due at closing. Uses and sources reconcile at $463,797.70 each. Not a Closing Disclosure.