Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$133,008Cash toward the purchase price.
Closing costs + prepaids$13,155Not just lender fees.
Before credits & paid funds$146,163The complete starting cash picture.
Estimated remaining funds due at closing
$146,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,008.00
Your down payment$133,008.00
Closing costs + prepaids$13,154.60
Total buyer cash needed$146,162.60
Remaining funds due$146,162.60
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%)$4,270.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,469.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$876.00
Initial HOA (3 months)$99.00
Prepaid interest, first (29 days)$1,221.64
Fees + prepaids$13,154.60
Your down payment is the seller’s equity. You take over the $293,992 balance, so the rest of the $427,000 price is paid at closing. A second mortgage can cover part of it. $146,162.60 is due at closing. Uses and sources reconcile at $440,154.60 each. Not a Closing Disclosure.