Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$106,795Cash toward the purchase price.
Closing costs + prepaids$13,718Not just lender fees.
Before credits & paid funds$120,513The complete starting cash picture.
Estimated remaining funds due at closing
$120,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,795.37
Your down payment$106,795.37
Closing costs + prepaids$13,717.75
Total buyer cash needed$120,513.11
Remaining funds due$120,513.11
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,815.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$964.25
Prepaid interest, first (25 days)$770.98
Fees + prepaids$13,717.75
Your down payment is the seller’s equity. You take over the $363,105 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $120,513.11 is due at closing. Uses and sources reconcile at $483,617.75 each. Not a Closing Disclosure.