Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$94,108Cash toward the purchase price.
Closing costs + prepaids$13,112Not just lender fees.
Before credits & paid funds$107,221The complete starting cash picture.
Estimated remaining funds due at closing
$107,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,108.26
Your down payment$94,108.26
Closing costs + prepaids$13,112.37
Total buyer cash needed$107,220.63
Remaining funds due$107,220.63
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%)$4,095.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,576.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,023.75
Prepaid interest, first (24 days)$1,198.66
Fees + prepaids$13,112.37
Your down payment is the seller’s equity. You take over the $315,392 balance, so the rest of the $409,500 price is paid at closing. A second mortgage can cover part of it. $107,220.63 is due at closing. Uses and sources reconcile at $422,612.37 each. Not a Closing Disclosure.