Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$108,151Cash toward the purchase price.
Closing costs + prepaids$12,554Not just lender fees.
Before credits & paid funds$120,704The complete starting cash picture.
Estimated remaining funds due at closing
$120,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,150.50
Your down payment$108,150.50
Closing costs + prepaids$12,553.54
Total buyer cash needed$120,704.05
Remaining funds due$120,704.05
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%)$4,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,683.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$556.25
Initial HOA (3 months)$150.00
Prepaid interest, first (18 days)$496.54
Fees + prepaids$12,553.54
Your down payment is the seller’s equity. You take over the $336,749 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $120,704.05 is due at closing. Uses and sources reconcile at $457,453.54 each. Not a Closing Disclosure.