Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$98,969Cash toward the purchase price.
Closing costs + prepaids$14,098Not just lender fees.
Before credits & paid funds$113,067The complete starting cash picture.
Estimated remaining funds due at closing
$113,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,969.38
Your down payment$98,969.38
Closing costs + prepaids$14,098.09
Total buyer cash needed$113,067.47
Remaining funds due$113,067.47
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,750.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$743.25
Prepaid interest, first (29 days)$1,896.69
Fees + prepaids$14,098.09
Your down payment is the seller’s equity. You take over the $350,031 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $113,067.47 is due at closing. Uses and sources reconcile at $463,098.09 each. Not a Closing Disclosure.