Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$114,750Cash toward the purchase price.
Closing costs + prepaids$12,639Not just lender fees.
Before credits & paid funds$127,389The complete starting cash picture.
Estimated remaining funds due at closing
$127,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,749.74
Your down payment$114,749.74
Closing costs + prepaids$12,639.24
Total buyer cash needed$127,388.98
Remaining funds due$127,388.98
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,576.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$517.75
Initial HOA (3 months)$384.99
Prepaid interest, first (26 days)$642.25
Fees + prepaids$12,639.24
Your down payment is the seller’s equity. You take over the $315,250 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $127,388.98 is due at closing. Uses and sources reconcile at $442,639.24 each. Not a Closing Disclosure.