Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$115,844Cash toward the purchase price.
Closing costs + prepaids$13,577Not just lender fees.
Before credits & paid funds$129,422The complete starting cash picture.
Estimated remaining funds due at closing
$129,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,844.37
Your down payment$115,844.37
Closing costs + prepaids$13,577.49
Total buyer cash needed$129,421.87
Remaining funds due$129,421.87
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,670.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$959.00
Initial HOA (3 months)$534.00
Prepaid interest, first (26 days)$697.22
Fees + prepaids$13,577.49
Your down payment is the seller’s equity. You take over the $334,056 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $129,421.87 is due at closing. Uses and sources reconcile at $463,477.49 each. Not a Closing Disclosure.