Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$106,305Cash toward the purchase price.
Closing costs + prepaids$13,352Not just lender fees.
Before credits & paid funds$119,657The complete starting cash picture.
Estimated remaining funds due at closing
$119,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,304.98
Your down payment$106,304.98
Closing costs + prepaids$13,351.66
Total buyer cash needed$119,656.64
Remaining funds due$119,656.64
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%)$4,399.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,668.43
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 (29 days)$1,513.83
Fees + prepaids$13,351.66
Your down payment is the seller’s equity. You take over the $333,685 balance, so the rest of the $439,990 price is paid at closing. A second mortgage can cover part of it. $119,656.64 is due at closing. Uses and sources reconcile at $453,341.66 each. Not a Closing Disclosure.