Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$99,901Cash toward the purchase price.
Closing costs + prepaids$12,669Not just lender fees.
Before credits & paid funds$112,571The complete starting cash picture.
Estimated remaining funds due at closing
$112,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,901.50
Your down payment$99,901.50
Closing costs + prepaids$12,669.33
Total buyer cash needed$112,570.82
Remaining funds due$112,570.82
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,549.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$265.50
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$1,461.83
Fees + prepaids$12,669.33
Your down payment is the seller’s equity. You take over the $309,999 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $112,570.82 is due at closing. Uses and sources reconcile at $422,569.33 each. Not a Closing Disclosure.