Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$131,338Cash toward the purchase price.
Closing costs + prepaids$12,578Not just lender fees.
Before credits & paid funds$143,916The complete starting cash picture.
Estimated remaining funds due at closing
$143,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,337.82
Your down payment$131,337.82
Closing costs + prepaids$12,577.80
Total buyer cash needed$143,915.62
Remaining funds due$143,915.62
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%)$1,543.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$753.50
Prepaid interest, first (28 days)$662.99
Fees + prepaids$12,577.80
Your down payment is the seller’s equity. You take over the $308,662 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $143,915.62 is due at closing. Uses and sources reconcile at $452,577.80 each. Not a Closing Disclosure.