Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$103,069Cash toward the purchase price.
Closing costs + prepaids$12,849Not just lender fees.
Before credits & paid funds$115,918The complete starting cash picture.
Estimated remaining funds due at closing
$115,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,069.09
Your down payment$103,069.09
Closing costs + prepaids$12,849.31
Total buyer cash needed$115,918.40
Remaining funds due$115,918.40
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,659.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$649.75
Initial HOA (3 months)$441.00
Prepaid interest, first (21 days)$530.91
Fees + prepaids$12,849.31
Your down payment is the seller’s equity. You take over the $331,931 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $115,918.40 is due at closing. Uses and sources reconcile at $447,849.31 each. Not a Closing Disclosure.