Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$99,341Cash toward the purchase price.
Closing costs + prepaids$14,222Not just lender fees.
Before credits & paid funds$113,563The complete starting cash picture.
Estimated remaining funds due at closing
$113,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,341.26
Your down payment$99,341.26
Closing costs + prepaids$14,221.94
Total buyer cash needed$113,563.20
Remaining funds due$113,563.20
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,902.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$403.75
Prepaid interest, first (31 days)$1,648.39
Fees + prepaids$14,221.94
Your down payment is the seller’s equity. You take over the $380,559 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $113,563.20 is due at closing. Uses and sources reconcile at $494,121.94 each. Not a Closing Disclosure.