Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$103,548Cash toward the purchase price.
Closing costs + prepaids$12,426Not just lender fees.
Before credits & paid funds$115,974The complete starting cash picture.
Estimated remaining funds due at closing
$115,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,548.32
Your down payment$103,548.32
Closing costs + prepaids$12,426.07
Total buyer cash needed$115,974.39
Remaining funds due$115,974.39
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%)$4,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,652.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$647.75
Initial HOA (3 months)$540.00
Prepaid interest, first (1 days)$28.07
Fees + prepaids$12,426.07
Your down payment is the seller’s equity. You take over the $330,452 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $115,974.39 is due at closing. Uses and sources reconcile at $446,426.07 each. Not a Closing Disclosure.