Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$112,371Cash toward the purchase price.
Closing costs + prepaids$13,111Not just lender fees.
Before credits & paid funds$125,482The complete starting cash picture.
Estimated remaining funds due at closing
$125,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,371.03
Your down payment$112,371.03
Closing costs + prepaids$13,110.53
Total buyer cash needed$125,481.56
Remaining funds due$125,481.56
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%)$4,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,712.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$748.00
Prepaid interest, first (24 days)$632.88
Fees + prepaids$13,110.53
Your down payment is the seller’s equity. You take over the $342,529 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $125,481.56 is due at closing. Uses and sources reconcile at $468,010.53 each. Not a Closing Disclosure.