Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$118,832Cash toward the purchase price.
Closing costs + prepaids$12,467Not just lender fees.
Before credits & paid funds$131,299The complete starting cash picture.
Estimated remaining funds due at closing
$131,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,831.59
Your down payment$118,831.59
Closing costs + prepaids$12,467.31
Total buyer cash needed$131,298.90
Remaining funds due$131,298.90
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%)$4,099.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,455.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$967.50
Initial HOA (3 months)$240.00
Prepaid interest, first (22 days)$486.11
Fees + prepaids$12,467.31
Your down payment is the seller’s equity. You take over the $291,158 balance, so the rest of the $409,990 price is paid at closing. A second mortgage can cover part of it. $131,298.90 is due at closing. Uses and sources reconcile at $422,457.31 each. Not a Closing Disclosure.