Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$106,497Cash toward the purchase price.
Closing costs + prepaids$14,043Not just lender fees.
Before credits & paid funds$120,540The complete starting cash picture.
Estimated remaining funds due at closing
$120,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,496.82
Your down payment$106,496.82
Closing costs + prepaids$14,042.90
Total buyer cash needed$120,539.73
Remaining funds due$120,539.73
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%)$4,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,715.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$387.75
Initial HOA (3 months)$252.00
Prepaid interest, first (31 days)$1,975.13
Fees + prepaids$14,042.90
Your down payment is the seller’s equity. You take over the $343,003 balance, so the rest of the $449,500 price is paid at closing. A second mortgage can cover part of it. $120,539.73 is due at closing. Uses and sources reconcile at $463,542.90 each. Not a Closing Disclosure.