Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$107,230Cash toward the purchase price.
Closing costs + prepaids$11,956Not just lender fees.
Before credits & paid funds$119,186The complete starting cash picture.
Estimated remaining funds due at closing
$119,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,229.91
Your down payment$107,229.91
Closing costs + prepaids$11,956.40
Total buyer cash needed$119,186.31
Remaining funds due$119,186.31
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,538.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$362.00
Prepaid interest, first (27 days)$687.55
Fees + prepaids$11,956.40
Your down payment is the seller’s equity. You take over the $307,770 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $119,186.31 is due at closing. Uses and sources reconcile at $426,956.40 each. Not a Closing Disclosure.