Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$100,182Cash toward the purchase price.
Closing costs + prepaids$12,808Not just lender fees.
Before credits & paid funds$112,991The complete starting cash picture.
Estimated remaining funds due at closing
$112,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,182.29
Your down payment$100,182.29
Closing costs + prepaids$12,808.32
Total buyer cash needed$112,990.61
Remaining funds due$112,990.61
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,623.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,062.25
Prepaid interest, first (24 days)$655.48
Fees + prepaids$12,808.32
Your down payment is the seller’s equity. You take over the $324,718 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $112,990.61 is due at closing. Uses and sources reconcile at $437,708.32 each. Not a Closing Disclosure.