Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$129,803Cash toward the purchase price.
Closing costs + prepaids$14,069Not just lender fees.
Before credits & paid funds$143,872The complete starting cash picture.
Estimated remaining funds due at closing
$143,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,802.56
Your down payment$129,802.56
Closing costs + prepaids$14,069.39
Total buyer cash needed$143,871.95
Remaining funds due$143,871.95
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%)$1,425.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,037.50
Initial HOA (3 months)$1,605.00
Prepaid interest, first (27 days)$632.90
Fees + prepaids$14,069.39
Your down payment is the seller’s equity. You take over the $285,197 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $143,871.95 is due at closing. Uses and sources reconcile at $429,069.39 each. Not a Closing Disclosure.