Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$97,501Cash toward the purchase price.
Closing costs + prepaids$15,037Not just lender fees.
Before credits & paid funds$112,538The complete starting cash picture.
Estimated remaining funds due at closing
$112,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,500.70
Your down payment$97,500.70
Closing costs + prepaids$15,036.81
Total buyer cash needed$112,537.51
Remaining funds due$112,537.51
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,757.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,757.00
Prepaid interest, first (30 days)$1,814.31
Fees + prepaids$15,036.81
Your down payment is the seller’s equity. You take over the $351,499 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $112,537.51 is due at closing. Uses and sources reconcile at $464,036.81 each. Not a Closing Disclosure.