Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$95,141Cash toward the purchase price.
Closing costs + prepaids$14,332Not just lender fees.
Before credits & paid funds$109,473The complete starting cash picture.
Estimated remaining funds due at closing
$109,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,141.03
Your down payment$95,141.03
Closing costs + prepaids$14,331.77
Total buyer cash needed$109,472.81
Remaining funds due$109,472.81
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%)$4,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,721.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,355.50
Initial HOA (3 months)$495.00
Prepaid interest, first (31 days)$1,146.48
Fees + prepaids$14,331.77
Your down payment is the seller’s equity. You take over the $344,359 balance, so the rest of the $439,500 price is paid at closing. A second mortgage can cover part of it. $109,472.81 is due at closing. Uses and sources reconcile at $453,831.77 each. Not a Closing Disclosure.