Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$128,129Cash toward the purchase price.
Closing costs + prepaids$11,494Not just lender fees.
Before credits & paid funds$139,623The complete starting cash picture.
Estimated remaining funds due at closing
$139,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,128.88
Your down payment$128,128.88
Closing costs + prepaids$11,493.81
Total buyer cash needed$139,622.69
Remaining funds due$139,622.69
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$908.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$815.50
Initial HOA (3 months)$1,080.00
Prepaid interest, first (27 days)$372.46
Fees + prepaids$11,493.81
Your down payment is the seller’s equity. You take over the $181,771 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $139,622.69 is due at closing. Uses and sources reconcile at $321,393.81 each. Not a Closing Disclosure.