Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$99,916Cash toward the purchase price.
Closing costs + prepaids$13,046Not just lender fees.
Before credits & paid funds$112,961The complete starting cash picture.
Estimated remaining funds due at closing
$112,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,915.64
Your down payment$99,915.64
Closing costs + prepaids$13,045.74
Total buyer cash needed$112,961.38
Remaining funds due$112,961.38
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,645.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$392.75
Initial HOA (3 months)$309.00
Prepaid interest, first (19 days)$1,190.56
Fees + prepaids$13,045.74
Your down payment is the seller’s equity. You take over the $329,084 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $112,961.38 is due at closing. Uses and sources reconcile at $442,045.74 each. Not a Closing Disclosure.