Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$106,795Cash toward the purchase price.
Closing costs + prepaids$12,917Not just lender fees.
Before credits & paid funds$119,712The complete starting cash picture.
Estimated remaining funds due at closing
$119,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,795.37
Your down payment$106,795.37
Closing costs + prepaids$12,916.59
Total buyer cash needed$119,711.96
Remaining funds due$119,711.96
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,815.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$564.00
Prepaid interest, first (12 days)$370.07
Fees + prepaids$12,916.59
Your down payment is the seller’s equity. You take over the $363,105 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $119,711.96 is due at closing. Uses and sources reconcile at $482,816.59 each. Not a Closing Disclosure.