Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$127,309Cash toward the purchase price.
Closing costs + prepaids$11,958Not just lender fees.
Before credits & paid funds$139,267The complete starting cash picture.
Estimated remaining funds due at closing
$139,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,309.00
Your down payment$127,309.00
Closing costs + prepaids$11,957.52
Total buyer cash needed$139,266.52
Remaining funds due$139,266.52
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,563.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$352.00
Prepaid interest, first (22 days)$424.06
Fees + prepaids$11,957.52
Your down payment is the seller’s equity. You take over the $312,691 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $139,266.52 is due at closing. Uses and sources reconcile at $451,957.52 each. Not a Closing Disclosure.