Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$113,066Cash toward the purchase price.
Closing costs + prepaids$13,888Not just lender fees.
Before credits & paid funds$126,954The complete starting cash picture.
Estimated remaining funds due at closing
$126,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,066.22
Your down payment$113,066.22
Closing costs + prepaids$13,888.13
Total buyer cash needed$126,954.35
Remaining funds due$126,954.35
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%)$4,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,519.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$857.25
Initial HOA (3 months)$435.00
Prepaid interest, first (31 days)$1,688.21
Fees + prepaids$13,888.13
Your down payment is the seller’s equity. You take over the $303,934 balance, so the rest of the $417,000 price is paid at closing. A second mortgage can cover part of it. $126,954.35 is due at closing. Uses and sources reconcile at $430,888.13 each. Not a Closing Disclosure.