Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$107,597Cash toward the purchase price.
Closing costs + prepaids$13,667Not just lender fees.
Before credits & paid funds$121,264The complete starting cash picture.
Estimated remaining funds due at closing
$121,264No 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$13,666.83
Total buyer cash needed$121,263.59
Remaining funds due$121,263.59
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 (31 days)$1,081.71
Fees + prepaids$13,666.83
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. $121,263.59 is due at closing. Uses and sources reconcile at $485,156.83 each. Not a Closing Disclosure.