Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$111,773Cash toward the purchase price.
Closing costs + prepaids$15,190Not just lender fees.
Before credits & paid funds$126,963The complete starting cash picture.
Estimated remaining funds due at closing
$126,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,773.02
Your down payment$111,773.02
Closing costs + prepaids$15,190.00
Total buyer cash needed$126,963.02
Remaining funds due$126,963.02
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,691.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,125.00
Initial HOA (3 months)$1,761.00
Prepaid interest, first (29 days)$894.87
Fees + prepaids$15,190.00
Your down payment is the seller’s equity. You take over the $338,227 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $126,963.02 is due at closing. Uses and sources reconcile at $465,190.00 each. Not a Closing Disclosure.