Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$115,785Cash toward the purchase price.
Closing costs + prepaids$13,341Not just lender fees.
Before credits & paid funds$129,126The complete starting cash picture.
Estimated remaining funds due at closing
$129,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,785.14
Your down payment$115,785.14
Closing costs + prepaids$13,340.84
Total buyer cash needed$129,125.98
Remaining funds due$129,125.98
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%)$1,621.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$619.75
Initial HOA (3 months)$7.50
Prepaid interest, first (25 days)$1,474.51
Fees + prepaids$13,340.84
Your down payment is the seller’s equity. You take over the $324,215 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $129,125.98 is due at closing. Uses and sources reconcile at $453,340.84 each. Not a Closing Disclosure.