Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$99,384Cash toward the purchase price.
Closing costs + prepaids$12,624Not just lender fees.
Before credits & paid funds$112,008The complete starting cash picture.
Estimated remaining funds due at closing
$112,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,383.50
Your down payment$99,383.50
Closing costs + prepaids$12,624.05
Total buyer cash needed$112,007.55
Remaining funds due$112,007.55
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,578.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$947.75
Initial HOA (3 months)$62.49
Prepaid interest, first (27 days)$667.72
Fees + prepaids$12,624.05
Your down payment is the seller’s equity. You take over the $315,616 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $112,007.55 is due at closing. Uses and sources reconcile at $427,624.05 each. Not a Closing Disclosure.