Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$122,418Cash toward the purchase price.
Closing costs + prepaids$12,539Not just lender fees.
Before credits & paid funds$134,957The complete starting cash picture.
Estimated remaining funds due at closing
$134,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,418.34
Your down payment$122,418.34
Closing costs + prepaids$12,538.65
Total buyer cash needed$134,956.99
Remaining funds due$134,956.99
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%)$1,537.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$680.75
Prepaid interest, first (31 days)$801.99
Fees + prepaids$12,538.65
Your down payment is the seller’s equity. You take over the $307,582 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $134,956.99 is due at closing. Uses and sources reconcile at $442,538.65 each. Not a Closing Disclosure.