Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$122,168Cash toward the purchase price.
Closing costs + prepaids$13,340Not just lender fees.
Before credits & paid funds$135,508The complete starting cash picture.
Estimated remaining funds due at closing
$135,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,168.44
Your down payment$122,168.44
Closing costs + prepaids$13,339.51
Total buyer cash needed$135,507.95
Remaining funds due$135,507.95
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,588.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$516.75
Initial HOA (3 months)$66.75
Prepaid interest, first (26 days)$1,550.36
Fees + prepaids$13,339.51
Your down payment is the seller’s equity. You take over the $317,732 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $135,507.95 is due at closing. Uses and sources reconcile at $453,239.51 each. Not a Closing Disclosure.