Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$103,393Cash toward the purchase price.
Closing costs + prepaids$11,919Not just lender fees.
Before credits & paid funds$115,312The complete starting cash picture.
Estimated remaining funds due at closing
$115,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,392.75
Your down payment$103,392.75
Closing costs + prepaids$11,918.88
Total buyer cash needed$115,311.63
Remaining funds due$115,311.63
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,532.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Initial HOA (3 months)$38.01
Prepaid interest, first (26 days)$611.34
Fees + prepaids$11,918.88
Your down payment is the seller’s equity. You take over the $306,507 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $115,311.63 is due at closing. Uses and sources reconcile at $421,818.88 each. Not a Closing Disclosure.