Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$100,902Cash toward the purchase price.
Closing costs + prepaids$14,457Not just lender fees.
Before credits & paid funds$115,359The complete starting cash picture.
Estimated remaining funds due at closing
$115,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,902.11
Your down payment$100,902.11
Closing costs + prepaids$14,457.08
Total buyer cash needed$115,359.19
Remaining funds due$115,359.19
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,894.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$720.75
Initial HOA (3 months)$780.00
Prepaid interest, first (25 days)$794.34
Fees + prepaids$14,457.08
Your down payment is the seller’s equity. You take over the $378,998 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $115,359.19 is due at closing. Uses and sources reconcile at $494,357.08 each. Not a Closing Disclosure.