Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$126,080Cash toward the purchase price.
Closing costs + prepaids$12,693Not just lender fees.
Before credits & paid funds$138,773The complete starting cash picture.
Estimated remaining funds due at closing
$138,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,079.98
Your down payment$126,079.98
Closing costs + prepaids$12,692.60
Total buyer cash needed$138,772.58
Remaining funds due$138,772.58
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,444.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$770.75
Initial HOA (3 months)$405.00
Prepaid interest, first (31 days)$704.25
Fees + prepaids$12,692.60
Your down payment is the seller’s equity. You take over the $288,920 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $138,772.58 is due at closing. Uses and sources reconcile at $427,692.60 each. Not a Closing Disclosure.