Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$99,646Cash toward the purchase price.
Closing costs + prepaids$13,147Not just lender fees.
Before credits & paid funds$112,793The complete starting cash picture.
Estimated remaining funds due at closing
$112,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,645.62
Your down payment$99,645.62
Closing costs + prepaids$13,147.20
Total buyer cash needed$112,792.82
Remaining funds due$112,792.82
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,951.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$563.25
Initial HOA (3 months)$234.99
Prepaid interest, first (1 days)$30.69
Fees + prepaids$13,147.20
Your down payment is the seller’s equity. You take over the $390,254 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $112,792.82 is due at closing. Uses and sources reconcile at $503,047.20 each. Not a Closing Disclosure.