Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$128,494Cash toward the purchase price.
Closing costs + prepaids$12,104Not just lender fees.
Before credits & paid funds$140,598The complete starting cash picture.
Estimated remaining funds due at closing
$140,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,494.37
Your down payment$128,494.37
Closing costs + prepaids$12,103.82
Total buyer cash needed$140,598.19
Remaining funds due$140,598.19
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,407.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$855.00
Prepaid interest, first (23 days)$523.29
Fees + prepaids$12,103.82
Your down payment is the seller’s equity. You take over the $281,506 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $140,598.19 is due at closing. Uses and sources reconcile at $422,103.82 each. Not a Closing Disclosure.