Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$102,368Cash toward the purchase price.
Closing costs + prepaids$14,432Not just lender fees.
Before credits & paid funds$116,800The complete starting cash picture.
Estimated remaining funds due at closing
$116,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,368.34
Your down payment$102,368.34
Closing costs + prepaids$14,431.79
Total buyer cash needed$116,800.12
Remaining funds due$116,800.12
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%)$1,733.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,194.50
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$771.14
Fees + prepaids$14,431.79
Your down payment is the seller’s equity. You take over the $346,632 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $116,800.12 is due at closing. Uses and sources reconcile at $463,431.79 each. Not a Closing Disclosure.