Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$141,771Cash toward the purchase price.
Closing costs + prepaids$12,734Not just lender fees.
Before credits & paid funds$154,505The complete starting cash picture.
Estimated remaining funds due at closing
$154,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,771.33
Your down payment$141,771.33
Closing costs + prepaids$12,733.71
Total buyer cash needed$154,505.04
Remaining funds due$154,505.04
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,440.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$600.50
Initial HOA (3 months)$63.00
Prepaid interest, first (27 days)$1,112.57
Fees + prepaids$12,733.71
Your down payment is the seller’s equity. You take over the $288,129 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $154,505.04 is due at closing. Uses and sources reconcile at $442,633.71 each. Not a Closing Disclosure.