Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$103,921Cash toward the purchase price.
Closing costs + prepaids$13,401Not just lender fees.
Before credits & paid funds$117,322The complete starting cash picture.
Estimated remaining funds due at closing
$117,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,921.30
Your down payment$103,921.30
Closing costs + prepaids$13,400.80
Total buyer cash needed$117,322.10
Remaining funds due$117,322.10
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%)$1,779.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$388.25
Prepaid interest, first (24 days)$1,165.66
Fees + prepaids$13,400.80
Your down payment is the seller’s equity. You take over the $355,979 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $117,322.10 is due at closing. Uses and sources reconcile at $473,300.80 each. Not a Closing Disclosure.