Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$105,424Cash toward the purchase price.
Closing costs + prepaids$13,007Not just lender fees.
Before credits & paid funds$118,431The complete starting cash picture.
Estimated remaining funds due at closing
$118,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,423.77
Your down payment$105,423.77
Closing costs + prepaids$13,007.30
Total buyer cash needed$118,431.07
Remaining funds due$118,431.07
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,767.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$573.75
Prepaid interest, first (17 days)$607.67
Fees + prepaids$13,007.30
Your down payment is the seller’s equity. You take over the $353,576 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $118,431.07 is due at closing. Uses and sources reconcile at $472,007.30 each. Not a Closing Disclosure.