Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$116,245Cash toward the purchase price.
Closing costs + prepaids$12,222Not just lender fees.
Before credits & paid funds$128,467The complete starting cash picture.
Estimated remaining funds due at closing
$128,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,244.67
Your down payment$116,244.67
Closing costs + prepaids$12,222.39
Total buyer cash needed$128,467.07
Remaining funds due$128,467.07
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%)$4,275.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,556.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$451.50
Initial HOA (3 months)$87.51
Prepaid interest, first (26 days)$634.11
Fees + prepaids$12,222.39
Your down payment is the seller’s equity. You take over the $311,255 balance, so the rest of the $427,500 price is paid at closing. A second mortgage can cover part of it. $128,467.07 is due at closing. Uses and sources reconcile at $439,722.39 each. Not a Closing Disclosure.