Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$125,945Cash toward the purchase price.
Closing costs + prepaids$14,556Not just lender fees.
Before credits & paid funds$140,501The complete starting cash picture.
Estimated remaining funds due at closing
$140,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,945.48
Your down payment$125,945.48
Closing costs + prepaids$14,555.85
Total buyer cash needed$140,501.33
Remaining funds due$140,501.33
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,565.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,944.00
Initial HOA (3 months)$80.01
Prepaid interest, first (24 days)$1,358.57
Fees + prepaids$14,555.85
Your down payment is the seller’s equity. You take over the $313,055 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $140,501.33 is due at closing. Uses and sources reconcile at $453,555.85 each. Not a Closing Disclosure.