Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$114,881Cash toward the purchase price.
Closing costs + prepaids$14,415Not just lender fees.
Before credits & paid funds$129,296The complete starting cash picture.
Estimated remaining funds due at closing
$129,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,880.91
Your down payment$114,880.91
Closing costs + prepaids$14,415.24
Total buyer cash needed$129,296.15
Remaining funds due$129,296.15
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,620.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,097.50
Initial HOA (3 months)$1,437.00
Prepaid interest, first (24 days)$652.15
Fees + prepaids$14,415.24
Your down payment is the seller’s equity. You take over the $324,119 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $129,296.15 is due at closing. Uses and sources reconcile at $453,415.24 each. Not a Closing Disclosure.