Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$100,656Cash toward the purchase price.
Closing costs + prepaids$12,331Not just lender fees.
Before credits & paid funds$112,987The complete starting cash picture.
Estimated remaining funds due at closing
$112,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,655.71
Your down payment$100,655.71
Closing costs + prepaids$12,330.90
Total buyer cash needed$112,986.61
Remaining funds due$112,986.61
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,746.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Prepaid interest, first (12 days)$326.18
Fees + prepaids$12,330.90
Your down payment is the seller’s equity. You take over the $349,344 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $112,986.61 is due at closing. Uses and sources reconcile at $462,330.90 each. Not a Closing Disclosure.