Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$98,740Cash toward the purchase price.
Closing costs + prepaids$12,683Not just lender fees.
Before credits & paid funds$111,423The complete starting cash picture.
Estimated remaining funds due at closing
$111,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,739.55
Your down payment$98,739.55
Closing costs + prepaids$12,683.07
Total buyer cash needed$111,422.62
Remaining funds due$111,422.62
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,905.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$403.75
Prepaid interest, first (2 days)$106.52
Fees + prepaids$12,683.07
Your down payment is the seller’s equity. You take over the $381,160 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $111,422.62 is due at closing. Uses and sources reconcile at $492,583.07 each. Not a Closing Disclosure.