Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$107,597Cash toward the purchase price.
Closing costs + prepaids$13,318Not just lender fees.
Before credits & paid funds$120,915The complete starting cash picture.
Estimated remaining funds due at closing
$120,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,596.76
Your down payment$107,596.76
Closing costs + prepaids$13,317.89
Total buyer cash needed$120,914.65
Remaining funds due$120,914.65
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%)$4,714.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,819.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$249.75
Initial HOA (3 months)$333.00
Prepaid interest, first (21 days)$732.77
Fees + prepaids$13,317.89
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $471,490 price is paid at closing. A second mortgage can cover part of it. $120,914.65 is due at closing. Uses and sources reconcile at $484,807.89 each. Not a Closing Disclosure.