Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$124,564Cash toward the purchase price.
Closing costs + prepaids$13,539Not just lender fees.
Before credits & paid funds$138,103The complete starting cash picture.
Estimated remaining funds due at closing
$138,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,564.10
Your down payment$124,564.10
Closing costs + prepaids$13,539.32
Total buyer cash needed$138,103.42
Remaining funds due$138,103.42
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%)$1,527.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,383.50
Initial HOA (3 months)$414.00
Prepaid interest, first (25 days)$696.64
Fees + prepaids$13,539.32
Your down payment is the seller’s equity. You take over the $305,436 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $138,103.42 is due at closing. Uses and sources reconcile at $443,539.32 each. Not a Closing Disclosure.