Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$97,349Cash toward the purchase price.
Closing costs + prepaids$13,530Not just lender fees.
Before credits & paid funds$110,879The complete starting cash picture.
Estimated remaining funds due at closing
$110,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,349.09
Your down payment$97,349.09
Closing costs + prepaids$13,529.92
Total buyer cash needed$110,879.01
Remaining funds due$110,879.01
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%)$4,720.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,873.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$566.50
Initial HOA (3 months)$86.76
Prepaid interest, first (12 days)$815.40
Fees + prepaids$13,529.92
Your down payment is the seller’s equity. You take over the $374,651 balance, so the rest of the $472,000 price is paid at closing. A second mortgage can cover part of it. $110,879.01 is due at closing. Uses and sources reconcile at $485,529.92 each. Not a Closing Disclosure.