Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$138,811Cash toward the purchase price.
Closing costs + prepaids$15,078Not just lender fees.
Before credits & paid funds$153,889The complete starting cash picture.
Estimated remaining funds due at closing
$153,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,811.24
Your down payment$138,811.24
Closing costs + prepaids$15,077.63
Total buyer cash needed$153,888.87
Remaining funds due$153,888.87
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%)$4,420.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,079.75
Initial HOA (3 months)$374.01
Prepaid interest, first (28 days)$1,469.93
Fees + prepaids$15,077.63
Your down payment is the seller’s equity. You take over the $303,189 balance, so the rest of the $442,000 price is paid at closing. A second mortgage can cover part of it. $153,888.87 is due at closing. Uses and sources reconcile at $457,077.63 each. Not a Closing Disclosure.