Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$100,204Cash toward the purchase price.
Closing costs + prepaids$12,080Not just lender fees.
Before credits & paid funds$112,283The complete starting cash picture.
Estimated remaining funds due at closing
$112,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,203.61
Your down payment$100,203.61
Closing costs + prepaids$12,079.60
Total buyer cash needed$112,283.21
Remaining funds due$112,283.21
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%)$4,245.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,621.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$449.50
Prepaid interest, first (23 days)$545.62
Fees + prepaids$12,079.60
Your down payment is the seller’s equity. You take over the $324,296 balance, so the rest of the $424,500 price is paid at closing. A second mortgage can cover part of it. $112,283.21 is due at closing. Uses and sources reconcile at $436,579.60 each. Not a Closing Disclosure.