Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$130,616Cash toward the purchase price.
Closing costs + prepaids$12,376Not just lender fees.
Before credits & paid funds$142,992The complete starting cash picture.
Estimated remaining funds due at closing
$142,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,615.88
Your down payment$130,615.88
Closing costs + prepaids$12,376.13
Total buyer cash needed$142,992.01
Remaining funds due$142,992.01
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%)$4,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,536.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,095.00
Initial HOA (3 months)$95.01
Prepaid interest, first (2 days)$51.20
Fees + prepaids$12,376.13
Your down payment is the seller’s equity. You take over the $307,384 balance, so the rest of the $438,000 price is paid at closing. A second mortgage can cover part of it. $142,992.01 is due at closing. Uses and sources reconcile at $450,376.13 each. Not a Closing Disclosure.