Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$116,944Cash toward the purchase price.
Closing costs + prepaids$13,087Not just lender fees.
Before credits & paid funds$130,032The complete starting cash picture.
Estimated remaining funds due at closing
$130,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,944.32
Your down payment$116,944.32
Closing costs + prepaids$13,087.34
Total buyer cash needed$130,031.67
Remaining funds due$130,031.67
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,565.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,075.00
Initial HOA (3 months)$240.00
Prepaid interest, first (26 days)$689.07
Fees + prepaids$13,087.34
Your down payment is the seller’s equity. You take over the $313,056 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $130,031.67 is due at closing. Uses and sources reconcile at $443,087.34 each. Not a Closing Disclosure.