Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$116,028Cash toward the purchase price.
Closing costs + prepaids$12,878Not just lender fees.
Before credits & paid funds$128,907The complete starting cash picture.
Estimated remaining funds due at closing
$128,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,028.47
Your down payment$116,028.47
Closing costs + prepaids$12,878.12
Total buyer cash needed$128,906.59
Remaining funds due$128,906.59
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,564.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,072.50
Initial HOA (3 months)$66.00
Prepaid interest, first (27 days)$666.76
Fees + prepaids$12,878.12
Your down payment is the seller’s equity. You take over the $312,972 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $128,906.59 is due at closing. Uses and sources reconcile at $441,878.12 each. Not a Closing Disclosure.