Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$132,295Cash toward the purchase price.
Closing costs + prepaids$12,950Not just lender fees.
Before credits & paid funds$145,245The complete starting cash picture.
Estimated remaining funds due at closing
$145,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,295.19
Your down payment$132,295.19
Closing costs + prepaids$12,950.26
Total buyer cash needed$145,245.44
Remaining funds due$145,245.44
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%)$4,179.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,428.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$846.00
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$1,054.23
Fees + prepaids$12,950.26
Your down payment is the seller’s equity. You take over the $285,605 balance, so the rest of the $417,900 price is paid at closing. A second mortgage can cover part of it. $145,245.44 is due at closing. Uses and sources reconcile at $430,850.26 each. Not a Closing Disclosure.