Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$134,403Cash toward the purchase price.
Closing costs + prepaids$12,337Not just lender fees.
Before credits & paid funds$146,740The complete starting cash picture.
Estimated remaining funds due at closing
$146,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,403.02
Your down payment$134,403.02
Closing costs + prepaids$12,337.44
Total buyer cash needed$146,740.46
Remaining funds due$146,740.46
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,427.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$609.00
Initial HOA (3 months)$111.00
Prepaid interest, first (27 days)$772.95
Fees + prepaids$12,337.44
Your down payment is the seller’s equity. You take over the $285,497 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $146,740.46 is due at closing. Uses and sources reconcile at $432,237.44 each. Not a Closing Disclosure.