Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$104,184Cash toward the purchase price.
Closing costs + prepaids$14,855Not just lender fees.
Before credits & paid funds$119,039The complete starting cash picture.
Estimated remaining funds due at closing
$119,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,184.40
Your down payment$104,184.40
Closing costs + prepaids$14,854.67
Total buyer cash needed$119,039.07
Remaining funds due$119,039.07
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,624.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$466.25
Initial HOA (3 months)$1,560.00
Prepaid interest, first (27 days)$1,696.34
Fees + prepaids$14,854.67
Your down payment is the seller’s equity. You take over the $324,816 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $119,039.07 is due at closing. Uses and sources reconcile at $443,854.67 each. Not a Closing Disclosure.