Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$105,771Cash toward the purchase price.
Closing costs + prepaids$13,643Not just lender fees.
Before credits & paid funds$119,414The complete starting cash picture.
Estimated remaining funds due at closing
$119,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,771.28
Your down payment$105,771.28
Closing costs + prepaids$13,642.70
Total buyer cash needed$119,413.98
Remaining funds due$119,413.98
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%)$1,720.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,083.75
Initial HOA (3 months)$57.24
Prepaid interest, first (22 days)$1,064.06
Fees + prepaids$13,642.70
Your down payment is the seller’s equity. You take over the $344,129 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $119,413.98 is due at closing. Uses and sources reconcile at $463,542.70 each. Not a Closing Disclosure.