Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$99,916Cash toward the purchase price.
Closing costs + prepaids$12,541Not just lender fees.
Before credits & paid funds$112,457The complete starting cash picture.
Estimated remaining funds due at closing
$112,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,915.64
Your down payment$99,915.64
Closing costs + prepaids$12,541.12
Total buyer cash needed$112,456.76
Remaining funds due$112,456.76
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,645.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$514.75
Initial HOA (3 months)$309.00
Prepaid interest, first (9 days)$563.95
Fees + prepaids$12,541.12
Your down payment is the seller’s equity. You take over the $329,084 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $112,456.76 is due at closing. Uses and sources reconcile at $441,541.12 each. Not a Closing Disclosure.