Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$114,631Cash toward the purchase price.
Closing costs + prepaids$11,693Not just lender fees.
Before credits & paid funds$126,323The complete starting cash picture.
Estimated remaining funds due at closing
$126,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,630.84
Your down payment$114,630.84
Closing costs + prepaids$11,692.54
Total buyer cash needed$126,323.38
Remaining funds due$126,323.38
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,476.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$512.50
Prepaid interest, first (17 days)$385.19
Fees + prepaids$11,692.54
Your down payment is the seller’s equity. You take over the $295,369 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $126,323.38 is due at closing. Uses and sources reconcile at $421,692.54 each. Not a Closing Disclosure.