Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$100,181Cash toward the purchase price.
Closing costs + prepaids$13,881Not just lender fees.
Before credits & paid funds$114,062The complete starting cash picture.
Estimated remaining funds due at closing
$114,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,181.13
Your down payment$100,181.13
Closing costs + prepaids$13,880.64
Total buyer cash needed$114,061.77
Remaining funds due$114,061.77
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%)$4,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,619.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,670.00
Initial HOA (3 months)$438.00
Prepaid interest, first (28 days)$695.55
Fees + prepaids$13,880.64
Your down payment is the seller’s equity. You take over the $323,819 balance, so the rest of the $424,000 price is paid at closing. A second mortgage can cover part of it. $114,061.77 is due at closing. Uses and sources reconcile at $437,880.64 each. Not a Closing Disclosure.