Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$97,706Cash toward the purchase price.
Closing costs + prepaids$13,751Not just lender fees.
Before credits & paid funds$111,457The complete starting cash picture.
Estimated remaining funds due at closing
$111,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,705.52
Your down payment$97,705.52
Closing costs + prepaids$13,751.17
Total buyer cash needed$111,456.69
Remaining funds due$111,456.69
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%)$1,611.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,186.00
Initial HOA (3 months)$741.00
Prepaid interest, first (30 days)$794.70
Fees + prepaids$13,751.17
Your down payment is the seller’s equity. You take over the $322,294 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $111,456.69 is due at closing. Uses and sources reconcile at $433,751.17 each. Not a Closing Disclosure.