Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$107,216Cash toward the purchase price.
Closing costs + prepaids$13,380Not just lender fees.
Before credits & paid funds$120,596The complete starting cash picture.
Estimated remaining funds due at closing
$120,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,215.84
Your down payment$107,215.84
Closing costs + prepaids$13,379.70
Total buyer cash needed$120,595.54
Remaining funds due$120,595.54
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,588.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,062.25
Prepaid interest, first (29 days)$1,262.03
Fees + prepaids$13,379.70
Your down payment is the seller’s equity. You take over the $317,684 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $120,595.54 is due at closing. Uses and sources reconcile at $438,279.70 each. Not a Closing Disclosure.