Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$99,675Cash toward the purchase price.
Closing costs + prepaids$14,067Not just lender fees.
Before credits & paid funds$113,742The complete starting cash picture.
Estimated remaining funds due at closing
$113,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,675.33
Your down payment$99,675.33
Closing costs + prepaids$14,066.62
Total buyer cash needed$113,741.95
Remaining funds due$113,741.95
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%)$4,439.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,721.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,114.50
Initial HOA (3 months)$762.00
Prepaid interest, first (30 days)$811.99
Fees + prepaids$14,066.62
Your down payment is the seller’s equity. You take over the $344,225 balance, so the rest of the $443,900 price is paid at closing. A second mortgage can cover part of it. $113,741.95 is due at closing. Uses and sources reconcile at $457,966.62 each. Not a Closing Disclosure.