Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$130,107Cash toward the purchase price.
Closing costs + prepaids$10,481Not just lender fees.
Before credits & paid funds$140,588The complete starting cash picture.
Estimated remaining funds due at closing
$140,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,107.00
Your down payment$130,107.00
Closing costs + prepaids$10,481.36
Total buyer cash needed$140,588.35
Remaining funds due$140,588.35
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%)$3,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$894.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$772.50
Initial HOA (3 months)$69.99
Prepaid interest, first (28 days)$436.40
Fees + prepaids$10,481.36
Your down payment is the seller’s equity. You take over the $178,893 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $140,588.35 is due at closing. Uses and sources reconcile at $319,481.36 each. Not a Closing Disclosure.