Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$138,007Cash toward the purchase price.
Closing costs + prepaids$11,969Not just lender fees.
Before credits & paid funds$149,976The complete starting cash picture.
Estimated remaining funds due at closing
$149,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,007.06
Your down payment$138,007.06
Closing costs + prepaids$11,969.06
Total buyer cash needed$149,976.11
Remaining funds due$149,976.11
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%)$4,079.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,349.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$543.00
Initial HOA (3 months)$62.49
Prepaid interest, first (26 days)$717.10
Fees + prepaids$11,969.06
Your down payment is the seller’s equity. You take over the $269,893 balance, so the rest of the $407,900 price is paid at closing. A second mortgage can cover part of it. $149,976.11 is due at closing. Uses and sources reconcile at $419,869.06 each. Not a Closing Disclosure.