Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$104,983Cash toward the purchase price.
Closing costs + prepaids$12,888Not just lender fees.
Before credits & paid funds$117,870The complete starting cash picture.
Estimated remaining funds due at closing
$117,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,982.61
Your down payment$104,982.61
Closing costs + prepaids$12,887.68
Total buyer cash needed$117,870.29
Remaining funds due$117,870.29
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,720.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$748.00
Prepaid interest, first (25 days)$711.60
Fees + prepaids$12,887.68
Your down payment is the seller’s equity. You take over the $344,017 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $117,870.29 is due at closing. Uses and sources reconcile at $461,887.68 each. Not a Closing Disclosure.