Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$130,642Cash toward the purchase price.
Closing costs + prepaids$13,978Not just lender fees.
Before credits & paid funds$144,620The complete starting cash picture.
Estimated remaining funds due at closing
$144,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,642.28
Your down payment$130,642.28
Closing costs + prepaids$13,977.64
Total buyer cash needed$144,619.92
Remaining funds due$144,619.92
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%)$4,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,416.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,113.50
Initial HOA (3 months)$504.00
Prepaid interest, first (29 days)$585.35
Fees + prepaids$13,977.64
Your down payment is the seller’s equity. You take over the $283,358 balance, so the rest of the $414,000 price is paid at closing. A second mortgage can cover part of it. $144,619.92 is due at closing. Uses and sources reconcile at $427,977.64 each. Not a Closing Disclosure.