Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$109,466Cash toward the purchase price.
Closing costs + prepaids$12,680Not just lender fees.
Before credits & paid funds$122,146The complete starting cash picture.
Estimated remaining funds due at closing
$122,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,465.94
Your down payment$109,465.94
Closing costs + prepaids$12,680.06
Total buyer cash needed$122,146.00
Remaining funds due$122,146.00
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,527.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,064.00
Prepaid interest, first (26 days)$720.39
Fees + prepaids$12,680.06
Your down payment is the seller’s equity. You take over the $305,534 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $122,146.00 is due at closing. Uses and sources reconcile at $427,680.06 each. Not a Closing Disclosure.