Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$94,228Cash toward the purchase price.
Closing costs + prepaids$13,913Not just lender fees.
Before credits & paid funds$108,141The complete starting cash picture.
Estimated remaining funds due at closing
$108,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,227.80
Your down payment$94,227.80
Closing costs + prepaids$13,912.88
Total buyer cash needed$108,140.68
Remaining funds due$108,140.68
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,753.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,167.50
Prepaid interest, first (22 days)$1,323.52
Fees + prepaids$13,912.88
Your down payment is the seller’s equity. You take over the $350,772 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $108,140.68 is due at closing. Uses and sources reconcile at $458,912.88 each. Not a Closing Disclosure.