Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$124,344Cash toward the purchase price.
Closing costs + prepaids$12,324Not just lender fees.
Before credits & paid funds$136,668The complete starting cash picture.
Estimated remaining funds due at closing
$136,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,344.27
Your down payment$124,344.27
Closing costs + prepaids$12,324.17
Total buyer cash needed$136,668.44
Remaining funds due$136,668.44
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,453.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$885.75
Prepaid interest, first (25 days)$617.15
Fees + prepaids$12,324.17
Your down payment is the seller’s equity. You take over the $290,656 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $136,668.44 is due at closing. Uses and sources reconcile at $427,324.17 each. Not a Closing Disclosure.