Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$129,613Cash toward the purchase price.
Closing costs + prepaids$12,769Not just lender fees.
Before credits & paid funds$142,382The complete starting cash picture.
Estimated remaining funds due at closing
$142,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,612.52
Your down payment$129,612.52
Closing costs + prepaids$12,769.07
Total buyer cash needed$142,381.59
Remaining funds due$142,381.59
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,476.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,098.50
Initial HOA (3 months)$99.99
Prepaid interest, first (24 days)$627.14
Fees + prepaids$12,769.07
Your down payment is the seller’s equity. You take over the $295,287 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $142,381.59 is due at closing. Uses and sources reconcile at $437,669.07 each. Not a Closing Disclosure.