Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$111,870Cash toward the purchase price.
Closing costs + prepaids$12,175Not just lender fees.
Before credits & paid funds$124,045The complete starting cash picture.
Estimated remaining funds due at closing
$124,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,869.92
Your down payment$111,869.92
Closing costs + prepaids$12,174.79
Total buyer cash needed$124,044.72
Remaining funds due$124,044.72
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%)$1,540.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.50
Initial HOA (3 months)$78.00
Prepaid interest, first (30 days)$749.64
Fees + prepaids$12,174.79
Your down payment is the seller’s equity. You take over the $308,130 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $124,044.72 is due at closing. Uses and sources reconcile at $432,174.79 each. Not a Closing Disclosure.