Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$104,454Cash toward the purchase price.
Closing costs + prepaids$11,851Not just lender fees.
Before credits & paid funds$116,305The complete starting cash picture.
Estimated remaining funds due at closing
$116,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,454.07
Your down payment$104,454.07
Closing costs + prepaids$11,851.39
Total buyer cash needed$116,305.46
Remaining funds due$116,305.46
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,602.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$510.00
Prepaid interest, first (10 days)$272.16
Fees + prepaids$11,851.39
Your down payment is the seller’s equity. You take over the $320,446 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $116,305.46 is due at closing. Uses and sources reconcile at $436,751.39 each. Not a Closing Disclosure.