Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$101,367Cash toward the purchase price.
Closing costs + prepaids$12,848Not just lender fees.
Before credits & paid funds$114,215The complete starting cash picture.
Estimated remaining funds due at closing
$114,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,367.48
Your down payment$101,367.48
Closing costs + prepaids$12,847.54
Total buyer cash needed$114,215.02
Remaining funds due$114,215.02
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%)$4,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,553.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,121.75
Initial HOA (3 months)$120.00
Prepaid interest, first (27 days)$714.63
Fees + prepaids$12,847.54
Your down payment is the seller’s equity. You take over the $310,633 balance, so the rest of the $412,000 price is paid at closing. A second mortgage can cover part of it. $114,215.02 is due at closing. Uses and sources reconcile at $424,847.54 each. Not a Closing Disclosure.