Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$110,210Cash toward the purchase price.
Closing costs + prepaids$12,930Not just lender fees.
Before credits & paid funds$123,140The complete starting cash picture.
Estimated remaining funds due at closing
$123,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,210.03
Your down payment$110,210.03
Closing costs + prepaids$12,930.10
Total buyer cash needed$123,140.13
Remaining funds due$123,140.13
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,698.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$649.25
Initial HOA (3 months)$140.01
Prepaid interest, first (27 days)$723.89
Fees + prepaids$12,930.10
Your down payment is the seller’s equity. You take over the $339,790 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $123,140.13 is due at closing. Uses and sources reconcile at $462,930.10 each. Not a Closing Disclosure.