Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$102,742Cash toward the purchase price.
Closing costs + prepaids$13,523Not just lender fees.
Before credits & paid funds$116,265The complete starting cash picture.
Estimated remaining funds due at closing
$116,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,742.30
Your down payment$102,742.30
Closing costs + prepaids$13,522.58
Total buyer cash needed$116,264.89
Remaining funds due$116,264.89
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,785.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$388.25
Initial HOA (3 months)$99.99
Prepaid interest, first (23 days)$1,181.56
Fees + prepaids$13,522.58
Your down payment is the seller’s equity. You take over the $357,158 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $116,264.89 is due at closing. Uses and sources reconcile at $473,422.58 each. Not a Closing Disclosure.