Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$102,135Cash toward the purchase price.
Closing costs + prepaids$12,333Not just lender fees.
Before credits & paid funds$114,468The complete starting cash picture.
Estimated remaining funds due at closing
$114,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,134.79
Your down payment$102,134.79
Closing costs + prepaids$12,333.28
Total buyer cash needed$114,468.08
Remaining funds due$114,468.08
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,639.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$476.75
Prepaid interest, first (28 days)$699.21
Fees + prepaids$12,333.28
Your down payment is the seller’s equity. You take over the $327,865 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $114,468.08 is due at closing. Uses and sources reconcile at $442,333.28 each. Not a Closing Disclosure.