Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$103,978Cash toward the purchase price.
Closing costs + prepaids$12,524Not just lender fees.
Before credits & paid funds$116,502The complete starting cash picture.
Estimated remaining funds due at closing
$116,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,977.52
Your down payment$103,977.52
Closing costs + prepaids$12,524.12
Total buyer cash needed$116,501.65
Remaining funds due$116,501.65
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%)$4,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,727.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$579.75
Initial HOA (3 months)$441.00
Prepaid interest, first (1 days)$62.76
Fees + prepaids$12,524.12
Your down payment is the seller’s equity. You take over the $345,522 balance, so the rest of the $449,500 price is paid at closing. A second mortgage can cover part of it. $116,501.65 is due at closing. Uses and sources reconcile at $462,024.12 each. Not a Closing Disclosure.