Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$98,843Cash toward the purchase price.
Closing costs + prepaids$13,378Not just lender fees.
Before credits & paid funds$112,221The complete starting cash picture.
Estimated remaining funds due at closing
$112,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,842.85
Your down payment$98,842.85
Closing costs + prepaids$13,377.67
Total buyer cash needed$112,220.52
Remaining funds due$112,220.52
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,755.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,064.75
Initial HOA (3 months)$183.00
Prepaid interest, first (22 days)$656.13
Fees + prepaids$13,377.67
Your down payment is the seller’s equity. You take over the $351,157 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $112,220.52 is due at closing. Uses and sources reconcile at $463,377.67 each. Not a Closing Disclosure.