Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$124,356Cash toward the purchase price.
Closing costs + prepaids$12,298Not just lender fees.
Before credits & paid funds$136,654The complete starting cash picture.
Estimated remaining funds due at closing
$136,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,355.55
Your down payment$124,355.55
Closing costs + prepaids$12,297.99
Total buyer cash needed$136,653.54
Remaining funds due$136,653.54
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,578.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$352.00
Prepaid interest, first (30 days)$749.76
Fees + prepaids$12,297.99
Your down payment is the seller’s equity. You take over the $315,644 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $136,653.54 is due at closing. Uses and sources reconcile at $452,297.99 each. Not a Closing Disclosure.