Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$115,079Cash toward the purchase price.
Closing costs + prepaids$12,911Not just lender fees.
Before credits & paid funds$127,990The complete starting cash picture.
Estimated remaining funds due at closing
$127,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,079.12
Your down payment$115,079.12
Closing costs + prepaids$12,910.98
Total buyer cash needed$127,990.10
Remaining funds due$127,990.10
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,674.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$959.00
Initial HOA (3 months)$534.00
Prepaid interest, first (1 days)$26.88
Fees + prepaids$12,910.98
Your down payment is the seller’s equity. You take over the $334,821 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $127,990.10 is due at closing. Uses and sources reconcile at $462,810.98 each. Not a Closing Disclosure.