Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$108,840Cash toward the purchase price.
Closing costs + prepaids$11,839Not just lender fees.
Before credits & paid funds$120,679The complete starting cash picture.
Estimated remaining funds due at closing
$120,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,839.68
Your down payment$108,839.68
Closing costs + prepaids$11,839.11
Total buyer cash needed$120,678.79
Remaining funds due$120,678.79
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,555.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.25
Prepaid interest, first (24 days)$566.56
Fees + prepaids$11,839.11
Your down payment is the seller’s equity. You take over the $311,060 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $120,678.79 is due at closing. Uses and sources reconcile at $431,739.11 each. Not a Closing Disclosure.