Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$99,916Cash toward the purchase price.
Closing costs + prepaids$12,604Not just lender fees.
Before credits & paid funds$112,519The complete starting cash picture.
Estimated remaining funds due at closing
$112,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,915.64
Your down payment$99,915.64
Closing costs + prepaids$12,603.78
Total buyer cash needed$112,519.42
Remaining funds due$112,519.42
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,645.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$514.75
Initial HOA (3 months)$309.00
Prepaid interest, first (10 days)$626.61
Fees + prepaids$12,603.78
Your down payment is the seller’s equity. You take over the $329,084 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $112,519.42 is due at closing. Uses and sources reconcile at $441,603.78 each. Not a Closing Disclosure.