Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$106,497Cash toward the purchase price.
Closing costs + prepaids$13,278Not just lender fees.
Before credits & paid funds$119,775The complete starting cash picture.
Estimated remaining funds due at closing
$119,775No 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$13,278.33
Total buyer cash needed$119,775.16
Remaining funds due$119,775.16
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 (19 days)$1,210.57
Fees + prepaids$13,278.33
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. $119,775.16 is due at closing. Uses and sources reconcile at $462,778.33 each. Not a Closing Disclosure.