Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$112,371Cash toward the purchase price.
Closing costs + prepaids$11,686Not just lender fees.
Before credits & paid funds$124,057The complete starting cash picture.
Estimated remaining funds due at closing
$124,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,370.60
Your down payment$112,370.60
Closing costs + prepaids$11,686.13
Total buyer cash needed$124,056.73
Remaining funds due$124,056.73
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,537.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Prepaid interest, first (12 days)$227.49
Fees + prepaids$11,686.13
Your down payment is the seller’s equity. You take over the $307,529 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $124,056.73 is due at closing. Uses and sources reconcile at $431,586.13 each. Not a Closing Disclosure.