Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$132,175Cash toward the purchase price.
Closing costs + prepaids$13,568Not just lender fees.
Before credits & paid funds$145,743The complete starting cash picture.
Estimated remaining funds due at closing
$145,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,174.64
Your down payment$132,174.64
Closing costs + prepaids$13,568.10
Total buyer cash needed$145,742.74
Remaining funds due$145,742.74
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,514.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,087.50
Prepaid interest, first (28 days)$1,398.47
Fees + prepaids$13,568.10
Your down payment is the seller’s equity. You take over the $302,825 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $145,742.74 is due at closing. Uses and sources reconcile at $448,568.10 each. Not a Closing Disclosure.