Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$103,571Cash toward the purchase price.
Closing costs + prepaids$15,200Not just lender fees.
Before credits & paid funds$118,771The complete starting cash picture.
Estimated remaining funds due at closing
$118,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,571.48
Your down payment$103,571.48
Closing costs + prepaids$15,199.98
Total buyer cash needed$118,771.45
Remaining funds due$118,771.45
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%)$1,732.14
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)$969.00
Prepaid interest, first (26 days)$1,655.83
Fees + prepaids$15,199.98
Your down payment is the seller’s equity. You take over the $346,429 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $118,771.45 is due at closing. Uses and sources reconcile at $465,199.98 each. Not a Closing Disclosure.