Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$126,999Cash toward the purchase price.
Closing costs + prepaids$13,385Not just lender fees.
Before credits & paid funds$140,384The complete starting cash picture.
Estimated remaining funds due at closing
$140,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,998.86
Your down payment$126,998.86
Closing costs + prepaids$13,385.01
Total buyer cash needed$140,383.86
Remaining funds due$140,383.86
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,465.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,050.00
Prepaid interest, first (28 days)$1,452.00
Fees + prepaids$13,385.01
Your down payment is the seller’s equity. You take over the $293,001 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $140,383.86 is due at closing. Uses and sources reconcile at $433,385.01 each. Not a Closing Disclosure.