Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$103,759Cash toward the purchase price.
Closing costs + prepaids$13,471Not just lender fees.
Before credits & paid funds$117,230The complete starting cash picture.
Estimated remaining funds due at closing
$117,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,758.90
Your down payment$103,758.90
Closing costs + prepaids$13,471.10
Total buyer cash needed$117,230.00
Remaining funds due$117,230.00
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%)$4,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,721.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,357.00
Prepaid interest, first (24 days)$694.90
Fees + prepaids$13,471.10
Your down payment is the seller’s equity. You take over the $344,241 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $117,230.00 is due at closing. Uses and sources reconcile at $461,471.10 each. Not a Closing Disclosure.