Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$142,543Cash toward the purchase price.
Closing costs + prepaids$13,129Not just lender fees.
Before credits & paid funds$155,672The complete starting cash picture.
Estimated remaining funds due at closing
$155,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,543.20
Your down payment$142,543.20
Closing costs + prepaids$13,129.18
Total buyer cash needed$155,672.37
Remaining funds due$155,672.37
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,462.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$569.75
Initial HOA (3 months)$900.00
Prepaid interest, first (26 days)$629.14
Fees + prepaids$13,129.18
Your down payment is the seller’s equity. You take over the $292,457 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $155,672.37 is due at closing. Uses and sources reconcile at $448,129.18 each. Not a Closing Disclosure.