Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$119,139Cash toward the purchase price.
Closing costs + prepaids$12,520Not just lender fees.
Before credits & paid funds$131,659The complete starting cash picture.
Estimated remaining funds due at closing
$131,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,139.23
Your down payment$119,139.23
Closing costs + prepaids$12,519.63
Total buyer cash needed$131,658.85
Remaining funds due$131,658.85
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,603.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$594.75
Initial HOA (3 months)$126.00
Prepaid interest, first (23 days)$578.07
Fees + prepaids$12,519.63
Your down payment is the seller’s equity. You take over the $320,761 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $131,658.85 is due at closing. Uses and sources reconcile at $452,419.63 each. Not a Closing Disclosure.