Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$103,466Cash toward the purchase price.
Closing costs + prepaids$12,328Not just lender fees.
Before credits & paid funds$115,795The complete starting cash picture.
Estimated remaining funds due at closing
$115,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,466.44
Your down payment$103,466.44
Closing costs + prepaids$12,328.34
Total buyer cash needed$115,794.78
Remaining funds due$115,794.78
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,607.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$551.25
Prepaid interest, first (26 days)$702.93
Fees + prepaids$12,328.34
Your down payment is the seller’s equity. You take over the $321,434 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $115,794.78 is due at closing. Uses and sources reconcile at $437,228.34 each. Not a Closing Disclosure.