Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$119,034Cash toward the purchase price.
Closing costs + prepaids$11,904Not just lender fees.
Before credits & paid funds$130,939The complete starting cash picture.
Estimated remaining funds due at closing
$130,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,034.49
Your down payment$119,034.49
Closing costs + prepaids$11,904.11
Total buyer cash needed$130,938.60
Remaining funds due$130,938.60
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,479.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$448.00
Initial HOA (3 months)$140.01
Prepaid interest, first (22 days)$468.27
Fees + prepaids$11,904.11
Your down payment is the seller’s equity. You take over the $295,966 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $130,938.60 is due at closing. Uses and sources reconcile at $426,904.11 each. Not a Closing Disclosure.