Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$95,170Cash toward the purchase price.
Closing costs + prepaids$13,480Not just lender fees.
Before credits & paid funds$108,650The complete starting cash picture.
Estimated remaining funds due at closing
$108,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,170.06
Your down payment$95,170.06
Closing costs + prepaids$13,480.41
Total buyer cash needed$108,650.47
Remaining funds due$108,650.47
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,773.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$135.25
Prepaid interest, first (29 days)$1,854.51
Fees + prepaids$13,480.41
Your down payment is the seller’s equity. You take over the $354,730 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $108,650.47 is due at closing. Uses and sources reconcile at $463,380.41 each. Not a Closing Disclosure.