Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$110,920Cash toward the purchase price.
Closing costs + prepaids$14,884Not just lender fees.
Before credits & paid funds$125,804The complete starting cash picture.
Estimated remaining funds due at closing
$125,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,919.69
Your down payment$110,919.69
Closing costs + prepaids$14,884.14
Total buyer cash needed$125,803.84
Remaining funds due$125,803.84
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,840.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$574.75
Initial HOA (3 months)$993.00
Prepaid interest, first (18 days)$1,217.99
Fees + prepaids$14,884.14
Your down payment is the seller’s equity. You take over the $368,080 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $125,803.84 is due at closing. Uses and sources reconcile at $493,884.14 each. Not a Closing Disclosure.