Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$100,612Cash toward the purchase price.
Closing costs + prepaids$13,673Not just lender fees.
Before credits & paid funds$114,285The complete starting cash picture.
Estimated remaining funds due at closing
$114,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,612.21
Your down payment$100,612.21
Closing costs + prepaids$13,672.68
Total buyer cash needed$114,284.89
Remaining funds due$114,284.89
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%)$4,695.55
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,844.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$823.50
Initial HOA (3 months)$156.00
Prepaid interest, first (22 days)$684.92
Fees + prepaids$13,672.68
Your down payment is the seller’s equity. You take over the $368,943 balance, so the rest of the $469,555 price is paid at closing. A second mortgage can cover part of it. $114,284.89 is due at closing. Uses and sources reconcile at $483,227.68 each. Not a Closing Disclosure.