Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$99,748Cash toward the purchase price.
Closing costs + prepaids$13,494Not just lender fees.
Before credits & paid funds$113,242The complete starting cash picture.
Estimated remaining funds due at closing
$113,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,747.93
Your down payment$99,747.93
Closing costs + prepaids$13,493.95
Total buyer cash needed$113,241.88
Remaining funds due$113,241.88
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,826.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$823.50
Initial HOA (3 months)$156.00
Prepaid interest, first (22 days)$570.19
Fees + prepaids$13,493.95
Your down payment is the seller’s equity. You take over the $365,252 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $113,241.88 is due at closing. Uses and sources reconcile at $478,493.95 each. Not a Closing Disclosure.