Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$115,038Cash toward the purchase price.
Closing costs + prepaids$13,042Not just lender fees.
Before credits & paid funds$128,080The complete starting cash picture.
Estimated remaining funds due at closing
$128,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,038.34
Your down payment$115,038.34
Closing costs + prepaids$13,041.98
Total buyer cash needed$128,080.32
Remaining funds due$128,080.32
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%)$1,674.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$814.00
Initial HOA (3 months)$90.00
Prepaid interest, first (28 days)$745.17
Fees + prepaids$13,041.98
Your down payment is the seller’s equity. You take over the $334,962 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $128,080.32 is due at closing. Uses and sources reconcile at $463,041.98 each. Not a Closing Disclosure.