Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$135,982Cash toward the purchase price.
Closing costs + prepaids$12,352Not just lender fees.
Before credits & paid funds$148,334The complete starting cash picture.
Estimated remaining funds due at closing
$148,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,982.20
Your down payment$135,982.20
Closing costs + prepaids$12,351.65
Total buyer cash needed$148,333.85
Remaining funds due$148,333.85
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,470.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$334.25
Initial HOA (3 months)$372.00
Prepaid interest, first (30 days)$657.31
Fees + prepaids$12,351.65
Your down payment is the seller’s equity. You take over the $294,018 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $148,333.85 is due at closing. Uses and sources reconcile at $442,351.65 each. Not a Closing Disclosure.