Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$109,191Cash toward the purchase price.
Closing costs + prepaids$11,754Not just lender fees.
Before credits & paid funds$120,946The complete starting cash picture.
Estimated remaining funds due at closing
$120,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,191.41
Your down payment$109,191.41
Closing costs + prepaids$11,754.15
Total buyer cash needed$120,945.56
Remaining funds due$120,945.56
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,549.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$502.75
Prepaid interest, first (12 days)$294.36
Fees + prepaids$11,754.15
Your down payment is the seller’s equity. You take over the $309,809 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $120,945.56 is due at closing. Uses and sources reconcile at $430,754.15 each. Not a Closing Disclosure.